|
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| Exception Grades | ||||||||||||||||||||||||||||||||
| Marketing ID | AMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Compliance Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 503 | XX | XX | XX | 36798684 | 318322-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-02): No impact on High Cost testing,
regraded to EV2-B |
2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 514 | XX | XX | XX | 36798734 | 318351-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-02): No impact on High Cost testing,
regraded to EV2-B |
2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 553 | XX | XX | XX | 36798899 | 318459-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-02): No impact on High Cost testing,
regraded to EV2-B |
2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 582 | XX | XX | XX | 36799052 | 318534-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | Reviewer Comment (2017-11-10): Unable to clear- Final HUD
provided is an unsigned copy- The signed copy received is the estimated
copy |
3 | D | XX | OR | Primary | Refinance - Cash-out - Other | D | No | |||||||||||
| 491 | XX | XX | XX | 36798641 | 318297-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | Reviewer Comment (2017-11-10): Unable to clear- TIL provided is
not signed by the borrower |
2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 556 | XX | XX | XX | 36798916 | 318465-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | Reviewer Comment (2017-11-10): Unable to clear-HUD provided is
not signed by the borrower or stamped by the settlement agent |
3 | D | XX | CA | Primary | Purchase | D | No | |||||||||||
| 586 | XX | XX | XX | 36801035 | 318558-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded
due to non-material affect on subject loan |
2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 590 | XX | XX | XX | 36801045 | 318584-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded
due to non-material affect on subject loan |
2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 609 | XX | XX | XX | 36801150 | 318667-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded
due to non-material affect on subject loan |
2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 653 | XX | XX | XX | 36801321 | 318864-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded
due to non-material affect on subject loan |
2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 667 | XX | XX | XX | 36801365 | 318948-494-2438 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.07995% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,275.46 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,242.35 (an overage of $33.11 or 0.07995%.) | Reviewer Comment (2017-11-17): Received servicing screen print
to evidence the lender’s credit of $33.11 to cure the 3% points and fees
exception and copy of letter to borrower. |
11/17/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | B | No | |||||||||
| 664 | XX | XX | XX | 36801346 | 318928-494-6531 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. | Reviewer Comment (2017-11-17): XX provided copy of letter sent
to borrower indicating they have credited $1000 to the principal balance of
their loan and offering to refinance their loan along with screen shots to
evidence the application of the $1000.
Outside counsel advised this was sufficient to cure this exception. |
11/17/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 664 | XX | XX | XX | 36801348 | 318928-494-5895 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | Reviewer Comment (2017-11-17): XX provided copy of letter sent
to borrower indicating they have credited $1000 to the principal balance of
their loan and offering to refinance their loan along with screen shots to
evidence the application of the $1000.
Outside counsel advised this was sufficient to cure this exception. |
11/17/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 664 | XX | XX | XX | 36801351 | 318928-494-7084 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Reviewer Comment (2017-11-17): XX provided copy of letter sent
to borrower indicating they have credited $1000 to the principal balance of
their loan and offering to refinance their loan along with screen shots to
evidence the application of the $1000.
Outside counsel advised this was sufficient to cure this exception. |
11/17/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 664 | XX | XX | XX | 36801358 | 318928-494-4199 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period. | Reviewer Comment (2017-11-17): XX provided copy of letter sent
to borrower indicating they have credited $1000 to the principal balance of
their loan and offering to refinance their loan along with screen shots to
evidence the application of the $1000.
Outside counsel advised this was sufficient to cure this exception. |
11/17/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 664 | XX | XX | XX | 36801352 | 318928-494-2438 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.94327% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,847.38 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,405.46 (an overage of $441.92 or 0.94327%.) | Reviewer Comment (2017-11-18): Re-graded to an EV2-B based on
Outside Counsels feedback on the lenders rebuttal that the loans were made in
accordance with existing case law at time of origination which provides that
Origination charges to lender constitutes "interest" and is
therefore excluded from TX 3% points and fees. |
2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | B | No | ||||||||||
| 523 | XX | XX | XX | 36798400 | 318369-493-6642 | 11/30/2017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). | Reviewer Comment (2017-11-30): Received Loan Designation. |
11/30/2017 | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | UTD | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 685 | XX | XX | XX | 36801455 | 319041-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | Reviewer Comment (2017-12-06): Received page 1 of a HUD which
does not contain estimated verbiage and is stamped true and correct by title
company, however missing page 2 of the HUD to verify the fee breakdown to
re-test the loan. Seller Comment (2017-12-06): HUD provided. |
3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||
| 679 | XX | XX | XX | 36801425 | 319010-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | Reviewer Comment (2017-12-07): HUD received is the same
estimated copy received in the original loan file - unable to clear |
3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||
| 673 | XX | XX | XX | 36801393 | 319000-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | Reviewer Comment (2017-12-07): Note received was not needed to
clear any open exceptions |
2 | B | XX | AZ | Primary | Construction-Permanent | B | No | |||||||||||
| 714 | XX | XX | XX | 36801560 | 319137-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | Reviewer Comment (2017-12-20): note provided was not needed to
clear any open exceptions |
2 | B | XX | CT | Primary | Purchase | B | No | |||||||||||
| 805 | XX | XX | XX | 36801919 | 319493-496-2438 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.64240% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,410.49 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,985.35 (an overage of $425.14 or 0.64240%.) | Reviewer Comment (2017-12-20): Re-graded to an EV2-B based on
Outside Counsels feedback on the lenders rebuttal that the loans were made in
accordance with existing case law at time of origination which provides that
Origination charges to lender constitutes "interest" and is
therefore excluded from TX 3% points and fees. |
2 | B | XX | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | B | No | ||||||||||
| 807 | XX | XX | XX | 36801927 | 319508-496-2438 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 4.06098% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,751.44 on an Original Principal Loan Amount of XX vs. an allowable total of $2,032.59 (an overage of $718.85 or 1.06098%.) | Reviewer Comment (2017-12-20): Re-graded to an EV2-B based on
Outside Counsels feedback on the lenders rebuttal that the loans were made in
accordance with existing case law at time of origination which provides that
Origination charges to lender constitutes "interest" and is
therefore excluded from TX 3% points and fees. |
2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | B | No | ||||||||||
| 805 | XX | XX | XX | 36801915 | 319493-496-6531 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. | Reviewer Comment (2017-12-22): XX provided copy of letter sent
to borrower indicating they are aware the borrower may not have gotten copies
of all closing docs and final application at closing. XX has credited $1000 to the principal
balance of their loan and offered to refinance their loan and provided screen
shots to evidence the application of the $1000. XX also signed attestation that they cannot
definitively determine that all documents executed by the borrower were
contained within the loan files.
Outside counsel advised this was sufficient to cure this exception
with the catch all cure. Reviewer Comment (2017-12-22): cured Reviewer Comment (2017-12-22): Received evidence of cure |
12/22/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 805 | XX | XX | XX | 36801918 | 319493-496-7084 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Reviewer Comment (2017-12-22): XX provided copy of letter sent
to borrower indicating they are aware the borrower may not have gotten copies
of all closing docs and final application at closing. XX has credited $1000 to the principal
balance of their loan and offered to refinance their loan and provided screen
shots to evidence the application of the $1000. XX also signed attestation that they cannot
definitively determine that all documents executed by the borrower were
contained within the loan files.
Outside counsel advised this was sufficient to cure this exception
with the catch all cure. Reviewer Comment (2017-12-22): cured Reviewer Comment (2017-12-22): received evidence of cure |
12/22/2017 | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | No | |||||||||
| 994 | XX | XX | XX | 36800063 | 320370-510-6579 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2018-04-10): HUD received is from the purchase
of the subject property in 08/2006, per tape the HUD is for a refinance from
05/2007. Seller Comment (2018-04-10): HUD provided. |
3 | D | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||
| 2186 | XX | XX | XX | 27064090 | 1740557274-6583 | 12/19/2020 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. | Reviewer Comment (2020-12-19): Sufficient Cure Provided At
Closing |
12/19/2020 | 1 | A | XX | WV | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||
| 1804 | XX | XX | XX | 24323824 | 5254224-2700 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) With Cure | RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1 | HUD-1 reflects tolerance cure of $168.00 | Reviewer Comment (2021-08-06): Sufficient cure provided at
closing. |
2 | B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1804 | XX | XX | XX | 24323825 | 5254224-1305 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) With Cure | RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1 | Sufficient cure provided at closing. | Reviewer Comment (2021-08-06): Sufficient cure provided at
closing. |
2 | B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1482 | XX | XX | XX | 24323493 | 5254348-3085 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. | Reviewer Comment (2021-08-09): Sufficient cure provided at
closing. |
2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2729 | XX | XX | XX | 27064412 | 4017069217-6582 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $164.00 exceeds tolerance of $144.00 plus 10% or $158.40. Sufficient or excess cure was provided to the borrower at Closing. (0) | Reviewer Comment (2022-06-09): Sufficient Cure Provided At
Closing |
06/09/2022 | 1 | A | XX | TX | Primary | Purchase | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2729 | XX | XX | XX | 27064413 | 4017069217-6583 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Reviewer Comment (2022-06-09): Sufficient Cure Provided At
Closing |
06/09/2022 | 1 | A | XX | TX | Primary | Purchase | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2819 | XX | XX | XX | 27064522 | 4015501454-6582 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,900.00 exceeds tolerance of $1,625.00 plus 10% or $1,787.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Reviewer Comment (2022-06-10): Sufficient Cure Provided At
Closing |
06/10/2022 | 1 | A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2819 | XX | XX | XX | 27064523 | 4015501454-6583 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Payoff Statement Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75193) | Reviewer Comment (2022-06-10): Sufficient Cure Provided At
Closing |
06/10/2022 | 1 | A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2819 | XX | XX | XX | 27064524 | 4015501454-6583 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) | Reviewer Comment (2022-06-10): Sufficient Cure Provided At
Closing |
06/10/2022 | 1 | A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2334 | XX | XX | XX | 27064624 | 4014973194-27765 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,727.00 exceeds tolerance of $1,722.00. Sufficient or excess cure was provided to the borrower. (8304) | Reviewer Comment (2022-06-10): Sufficient Cure Provided within
60 Days of Closing |
06/10/2022 | 1 | A | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||
| 2768 | XX | XX | XX | 27064675 | 4014431693-27765 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $26.08 exceeds tolerance of $24.00. Sufficient or excess cure was provided to the borrower. (7520) | Credit of $558.25 was provided post close which is sufficient to cure. | Reviewer Comment (2022-06-10): Sufficient Cure Provided within
60 Days of Closing |
06/10/2022 | 1 | A | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||
| 2264 | XX | XX | XX | 27064689 | 4014172665-6583 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $345.00 exceeds tolerance of $340.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Cure provided in the amount of $ 15.00 | Reviewer Comment (2022-06-13): Sufficient Cure Provided At
Closing |
06/13/2022 | 1 | A | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||
| 2702 | XX | XX | XX | 27064818 | 1738785112-6583 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | No evidence of cure provided. | Reviewer Comment (2022-06-14): Sufficient Cure Provided At
Closing |
06/14/2022 | 1 | A | XX | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||
| 2572 | XX | XX | XX | 27064895 | 1736735679-6583 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $250.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7559) | Reviewer Comment (2022-06-14): Sufficient Cure Provided At
Closing |
06/14/2022 | 1 | A | XX | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||
| 2363 | XX | XX | XX | 27068140 | 4004473417-7028 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Reviewer Comment (2022-07-19): Exception Detail Updated from: No
evidence of application date located in file.
Compliance tests were run using an application date of 05/XX/2005
which is 1 months prior to consummation.
A lookback was performed to determine this application date. The final date used for testing was
12/XX/2004. Due to missing HUD-1 or Closing
Disclosure, no fees were used in testing. |
2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||
| 1750 | XX | XX | XX | 24323391 | 5254798-1329 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | List is dated 02/XX/2013 | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1750 | XX | XX | XX | 24323392 | 5254798-2659 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $95,333.35 is underdisclosed from calculated Finance Charge of $95,712.22 in the amount of $378.87. | Unable to determine due to Itemization of Amount Financed does not reflect any title fees. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1761 | XX | XX | XX | 24323384 | 5254217-25158 | 01/05/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NJ | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1761 | XX | XX | XX | 24323385 | 5254217-2713 | 01/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | NJ | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1405 | XX | XX | XX | 24323412 | 5255253-2684 | 11/10/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | The GFE Estimate is good through date is only 8 business days instead of the required 10. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1405 | XX | XX | XX | 24323413 | 5255253-7087 | 11/10/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Taxes and Insurance were escrowed, but evidence that an Initial Escrow Account Disclosure was provided to the Borrower at closing is missing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1289 | XX | XX | XX | 24323440 | 5254215-3141 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NJ | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1233 | XX | XX | XX | 24323442 | 5254367-2802 | 08/11/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||||
| 1233 | XX | XX | XX | 24323447 | 5254367-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/08/2017) | 2 | B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1233 | XX | XX | XX | 24323448 | 5254367-1330 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1233 | XX | XX | XX | 24323449 | 5254367-26033 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/02/2017) | 2 | B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1233 | XX | XX | XX | 24323450 | 5254367-3867 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements.” | 3 | C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1233 | XX | XX | XX | 24323451 | 5254367-18604 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 04/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XX/05/2017) | Seller CD was not in the file. Seller is the Builder of a newly constructed home. | 2 | B | XX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1233 | XX | XX | XX | 24323453 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9.24 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | No cure or Change of circumstances found in the file. | 2 | B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1233 | XX | XX | XX | 24323454 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174) | No cure or Change of circumstances found in the file. | 2 | B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1233 | XX | XX | XX | 24323455 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.56 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) | No cure or Change of circumstances found in the file. | 2 | B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1219 | XX | XX | XX | 24323476 | 5255269-6331 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,233.75 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,249.00. (9300) | A valid COC was not provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1482 | XX | XX | XX | 24323487 | 5254348-2694 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | GFE loan amount is $XX and does not match note amount of $XX | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1482 | XX | XX | XX | 24323488 | 5254348-2696 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | GFE payment of &737.42 differs from note payment of $746.72 | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1482 | XX | XX | XX | 24323489 | 5254348-26039 | 08/09/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Loan originated 04/XX/2015. Borrower did not receive right to copy of appraisal within 3 business days | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1482 | XX | XX | XX | 24323490 | 5254348-4561 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form. | HUD 1 was on proper form - doc 1253 | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1482 | XX | XX | XX | 24323491 | 5254348-2773 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | GFE provided 04/XX/2015. Service providers list provided 04/XX/2015 | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1482 | XX | XX | XX | 24323492 | 5254348-18363 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | GFE provided 04/XX/2015. Service providers list provided 04/XX/2015 | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1192 | XX | XX | XX | 24323498 | 5254716-2802 | 08/04/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | MD | Investment | Refinance - Streamlined | B | N/A | N/A | No | |||||||||||
| 1192 | XX | XX | XX | 24323506 | 5254716-26039 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing | 2 | B | XX | MD | Investment | Refinance - Streamlined | B | N/A | N/A | No | |||||||||
| 1691 | XX | XX | XX | 24323535 | 5255402-2684 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE reflects a Good Thru date for all other settlement charges of 5/XX/2015. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1691 | XX | XX | XX | 24323536 | 5255402-2687 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | GFE in loan file is dated 7/XX/2015 | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1443 | XX | XX | XX | 24323540 | 5254354-5428 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1367 | XX | XX | XX | 24323547 | 5254368-2685 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No | ||||||||||
| 1367 | XX | XX | XX | 24323548 | 5254368-2696 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No | ||||||||||
| 1367 | XX | XX | XX | 24323549 | 5254368-3867 | 08/05/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Due to Points and Fees | 3 | C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No | ||||||||
| 1367 | XX | XX | XX | 24323551 | 5254368-3141 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | Unable to determine HUD Settlement Booklet was provided due to missing information. | Disclosure is not dated | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No | |||||||||
| 1224 | XX | XX | XX | 24323553 | 5255259-26039 | 08/09/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1224 | XX | XX | XX | 24323554 | 5255259-3141 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1224 | XX | XX | XX | 24323555 | 5255259-3078 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1224 | XX | XX | XX | 24323556 | 5255259-18363 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Borrower(s) did not receive Servicing Disclosure Statement within (3) business days of the application. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1224 | XX | XX | XX | 24323557 | 5255259-3136 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Borrower(s) did not receive Homeownership Counseling Organization list within (3) business days of the application. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1789 | XX | XX | XX | 24323588 | 5254291-1056 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | 2 | B | XX | FL | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | ||||||||||
| 1694 | XX | XX | XX | 24323606 | 5254421-2696 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | OR | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1694 | XX | XX | XX | 24323607 | 5254421-3141 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Provide disclosure that shows date booklet was provided to borrower. | 2 | B | XX | OR | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1108 | XX | XX | XX | 24323622 | 5254359-20744 | 08/16/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | Missing MD documentation | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1108 | XX | XX | XX | 24323623 | 5254359-6341 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016) | Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1108 | XX | XX | XX | 24323624 | 5254359-6342 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016) | Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1108 | XX | XX | XX | 24323625 | 5254359-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,278.29 exceeds tolerance of $340.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 . | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1108 | XX | XX | XX | 24323626 | 5254359-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $27.50 exceeds tolerance of $18.00. Insufficient or no cure was provided to the borrower. (8304) | Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 . | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1206 | XX | XX | XX | 24323635 | 5255485-5445 | 08/16/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | There is no evidence of a FACTA in file. | 2 | B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1206 | XX | XX | XX | 24323636 | 5255485-2684 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Initial GFE dated 8/XX/14 and estimate thru date is 9/XX/14. | 2 | B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1206 | XX | XX | XX | 24323637 | 5255485-2773 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | Intial GFE was given 8/XX/14 and the list of SSPs was given 8/XX/14. | 2 | B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1533 | XX | XX | XX | 24323643 | 5255407-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.70 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7520) | No valid coc or cure was provided. | 2 | B | XX | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1533 | XX | XX | XX | 24323644 | 5255407-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,824.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | No valid coc or cure was provided. | 2 | B | XX | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1533 | XX | XX | XX | 24323645 | 5255407-2760 | 08/11/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Funds Not Disbursed per Agreement) | Massachusetts Mortgage Lender and Broker Regulations: Lender failed to disburse funds in accordance with the commitment or agreement with the borrower. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1716 | XX | XX | XX | 24323687 | 5254807-2659 | 08/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $92,457.37 is underdisclosed from calculated Finance Charge of $92,512.24 in the amount of $54.87. | TIL Itemization did not disclose a Reimbursement of Tax Certification of $55 as a prepaid finance charge. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1716 | XX | XX | XX | 24323688 | 5254807-18363 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1716 | XX | XX | XX | 24323689 | 5254807-1330 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1716 | XX | XX | XX | 24323690 | 5254807-3085 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1716 | XX | XX | XX | 24323691 | 5254807-26039 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1255 | XX | XX | XX | 24323709 | 5254424-2802 | 08/13/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||||
| 1255 | XX | XX | XX | 24323711 | 5254424-7027 | 08/13/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1255 | XX | XX | XX | 24323712 | 5254424-25821 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1255 | XX | XX | XX | 24323713 | 5254424-1330 | 08/13/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1255 | XX | XX | XX | 24323714 | 5254424-7038 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/22/2017) | Missing evidence of borrowers receipt | 2 | B | XX | PA | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1255 | XX | XX | XX | 24323718 | 5254424-3867 | 08/13/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | 3 | C | XX | PA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 1514 | XX | XX | XX | 24323752 | 5254220-3141 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NJ | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1514 | XX | XX | XX | 24323753 | 5254220-2659 | 08/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $210,561.26 is underdisclosed from calculated Finance Charge of $210,991.39 in the amount of $430.13. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1364 | XX | XX | XX | 24323783 | 5254310-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is testing as a Higher Price Loan. Missing valid change of circumstance or cure for excessing points/fees charged. | 3 | C | XX | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1364 | XX | XX | XX | 24323784 | 5254310-2683 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.00435% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,477.21 on a Federal Total Loan Amount of $XX vs. an allowable total of $9,463.48 (an overage of $13.73 or .00435%). | Missing valid change of circumstance or cure. | 3 | C | XX | CO | Primary | Purchase | If a creditor or assignee determines after consummation that the
total points and fees exceeds the QM Points and Fees limit, but the loan
meets the other requirements to be a QM, the QM Points and Fees exception can
be cured through a refund including interest at the contract rate from
consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January XX, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1152 | XX | XX | XX | 24323802 | 5255360-3141 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1152 | XX | XX | XX | 24323803 | 5255360-3071 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1152 | XX | XX | XX | 24323804 | 5255360-3074 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1601 | XX | XX | XX | 24323808 | 5255403-2684 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1601 | XX | XX | XX | 24323809 | 5255403-2702 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1601 | XX | XX | XX | 24323811 | 5255403-1044 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unemployment Income Documentation | Qualified Mortgage (Dodd-Frank 2014): Unemployment income documentation for two (2) years requirement not met. (Honadel,Karen Unemployed/Unemployment) | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. | 3 | C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1601 | XX | XX | XX | 24323812 | 5255403-25030 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. | 3 | C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1601 | XX | XX | XX | 24323813 | 5255403-3867 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. | 3 | C | XX | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1601 | XX | XX | XX | 24323814 | 5255403-1257 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. | 3 | C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1804 | XX | XX | XX | 24323822 | 5254224-3495 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/02/2015) | Appraisal Notice reflects Borrower was sent the appraisal on 10/XX/2015. the appraisal signature date is 10/XX/2015 | 2 | B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1804 | XX | XX | XX | 24323823 | 5254224-26039 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1180 | XX | XX | XX | 24323871 | 5254361-19965 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | ECOA signed and dated 12/XX/2015 | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Good faith redisclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1180 | XX | XX | XX | 24323872 | 5254361-1330 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling document was not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1180 | XX | XX | XX | 24323873 | 5254361-4428 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose whether the loan will have an escrow account. (Final/XX/16/2016) | Page 1 other is checked yes to be escrowed. Should just be taxes and insurance. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1180 | XX | XX | XX | 24323874 | 5254361-26256 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose Estimated Property Costs over Year 1. (Final/XX/16/2016) | Page 1 other is checked yes to be escrowed. Should just be taxes and insurance. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1180 | XX | XX | XX | 24323875 | 5254361-4566 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether the loan will have an escrow account. (Final/XX/16/2016) | Page 1 other is checked yes. Should just be taxes and insurance. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1180 | XX | XX | XX | 24323876 | 5254361-3880 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,289.48 may be required. | Loan Estimate is missing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1392 | XX | XX | XX | 24323894 | 5255415-6346 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/03/2016) | Final Closing Disclosure provided on 02/XX/2016 did not disclose whether property taxes are included in escrow. Tax Impounds - Township of $849.64 reflected in Section G of the Final Closing Disclosure. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1455 | XX | XX | XX | 24323950 | 5254796-3141 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1621 | XX | XX | XX | 24323951 | 5254356-2802 | 08/06/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | MO | Second Home | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||||
| 1621 | XX | XX | XX | 24323953 | 5254356-25158 | 08/06/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MO | Second Home | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1389 | XX | XX | XX | 24323983 | 5254221-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2015) | 2 | B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1389 | XX | XX | XX | 24323984 | 5254221-25158 | 08/11/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1389 | XX | XX | XX | 24323985 | 5254221-25030 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | 3 | C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1389 | XX | XX | XX | 24323986 | 5254221-1330 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1389 | XX | XX | XX | 24323987 | 5254221-26260 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | 3 | C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1389 | XX | XX | XX | 24323988 | 5254221-22050 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1389 | XX | XX | XX | 24323989 | 5254221-3867 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements | 3 | C | XX | KS | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1389 | XX | XX | XX | 24323990 | 5254221-1257 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | 3 | C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1103 | XX | XX | XX | 24323998 | 5254806-2702 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1530 | XX | XX | XX | 24324001 | 5253830-7115 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1530 | XX | XX | XX | 24324002 | 5253830-6542 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,171.93 exceeds tolerance of $2,159.00. Insufficient or no cure was provided to the borrower. (7200) | Loan discount fee was increased from $614 to $2171.93 with not change of circumstance or cost to cure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1430 | XX | XX | XX | 24324040 | 5254327-2802 | 08/17/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||||
| 1430 | XX | XX | XX | 24324043 | 5254327-25158 | 08/17/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1430 | XX | XX | XX | 24324044 | 5254327-3867 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements. | 3 | C | XX | NM | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1430 | XX | XX | XX | 24324045 | 5254327-1257 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements. | 3 | C | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1430 | XX | XX | XX | 24324046 | 5254327-1330 | 08/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1430 | XX | XX | XX | 24324048 | 5254327-6542 | 08/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | No evidence of COC. Provide cure. | 2 | B | XX | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1430 | XX | XX | XX | 24324049 | 5254327-7038 | 08/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019) | Missing evidence the borrower received the CD, 3 days prior to closing. | 2 | B | XX | NM | Primary | Purchase | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1430 | XX | XX | XX | 24324050 | 5254327-6572 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019) | 2 | B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1430 | XX | XX | XX | 24324053 | 5254327-24137 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX) | Current employment was verified. Prior employment was verified with, paystub and W2. Missing VVOE, to verify previous employment dates. | 2 | B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1801 | XX | XX | XX | 24324064 | 5255268-7115 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The difference is final Cd shows and aggregate adjustment on the escrows. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1801 | XX | XX | XX | 24324065 | 5255268-1974 | 08/16/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. | Provided 12/XX/2015 | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1493 | XX | XX | XX | 24324130 | 5254420-2802 | 08/16/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | |||||||||||
| 1493 | XX | XX | XX | 24324132 | 5254420-6572 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/13/2018) | 2 | B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||||
| 1493 | XX | XX | XX | 24324134 | 5254420-25158 | 08/16/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||||
| 1493 | XX | XX | XX | 24324135 | 5254420-1330 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||||
| 1493 | XX | XX | XX | 24324136 | 5254420-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. | Loan Designation is Temporary HPQM. Loan is failing QM status, due to missing AUS, unable to determine if all conditions were met. | 3 | C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||
| 1493 | XX | XX | XX | 24324137 | 5254420-6415 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 05/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/25/2018) | Contact NMLS ID not provided | 2 | B | XX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||
| 1493 | XX | XX | XX | 24324138 | 5254420-7038 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2018) | Missing evidence of CD delivery, 3 days prior to closing. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||
| 1493 | XX | XX | XX | 24324139 | 5254420-6543 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,872.52 exceeds tolerance of $1,186.00 plus 10% or $1,304.60. Insufficient or no cure was provided to the borrower. (0) | Missing evidence of a valid Change of Circumstance. No cure was provided | 2 | B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||
| 1493 | XX | XX | XX | 24324140 | 5254420-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $631.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Missing evidence of a valid Change of Circumstance. No cure was provided | 2 | B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No | ||||||||
| 1788 | XX | XX | XX | 24324195 | 5253516-2654 | 07/30/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1774 | XX | XX | XX | 24324220 | 5253817-2684 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1774 | XX | XX | XX | 24324221 | 5253817-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $108,480.37 is underdisclosed from calculated Finance Charge of $108,521.56 in the amount of $41.19. | TIL itemization did not disclose a Subordination Recording Fee of $44 as a prepaid finances charge. | 2 | B | XX | FL | Primary | Refinance - Limited Cash-out GSE | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1509 | XX | XX | XX | 24324284 | 5253526-6572 | 07/29/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/12/2015) | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1381 | XX | XX | XX | 24324315 | 5253823-2654 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1381 | XX | XX | XX | 24324316 | 5253823-3071 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1381 | XX | XX | XX | 24324317 | 5253823-3074 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1381 | XX | XX | XX | 24324318 | 5253823-2659 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $106,786.51 is underdisclosed from calculated Finance Charge of $106,914.91 in the amount of $128.40. | Unable to determine the under disclosure due to the Itemization of Amount Financed does not disclose all the fee. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1520 | XX | XX | XX | 24324381 | 5253537-4376 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2016). (Final/XX/10/2016) | The calculated finance charge of $113,348.40 is higher than the $112,885.25. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1520 | XX | XX | XX | 24324382 | 5253537-6331 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-463.15 is less than amount of binding Lender Credit previously disclosed in the amount of $-467.00. (9300) | The lender credit decreased without a valid change of circumstance. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1520 | XX | XX | XX | 24324383 | 5253537-2666 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2016, prior to three (3) business days from transaction date of 08/XX/2016. | The provided Right To Cancel is an estimate. Please provide the final right to cancel document. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1520 | XX | XX | XX | 24324384 | 5253537-2647 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | File contains a CD dated 8/XX/16 (a day before closing) which is not signed, borrower default received date is 8/XX/16 and RTC signature and notary date is 8/XX/16 | 2 | B | XX | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1463 | XX | XX | XX | 24324407 | 5254425-1025 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - 25% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 4928 Lynwood Avenue. Lease Agreement not provided or % of gross rents used is greater than 75%. (XX/25% Vacancy Method) | Loan is missing full AUS and waterfalling to ATR/QM documentation requirements. | 3 | C | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 1463 | XX | XX | XX | 24324408 | 5254425-6572 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2018) | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1463 | XX | XX | XX | 24324409 | 5254425-1330 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 1463 | XX | XX | XX | 24324410 | 5254425-6542 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,360.13 exceeds tolerance of $1,198.00. Insufficient or no cure was provided to the borrower. (7200) | No cure provided | 2 | B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1463 | XX | XX | XX | 24324411 | 5254425-3867 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is missing full AUS and waterfalling to ATR/QM documentation requirements. | 3 | C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1463 | XX | XX | XX | 24324412 | 5254425-2683 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.61304% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,580.13 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,802.99 (an overage of $777.14 or .61304%). | Exceeds points and fees. | 3 | C | XX | NY | Primary | Purchase | If a creditor or assignee determines after consummation that the
total points and fees exceeds the QM Points and Fees limit, but the loan
meets the other requirements to be a QM, the QM Points and Fees exception can
be cured through a refund including interest at the contract rate from
consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January XX, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1463 | XX | XX | XX | 24324413 | 5254425-7038 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/31/2018) | Initial Closing Disclosure dated same as Final Closing Disclosure. Miccing Closing Disclosure issued at least 3 business days prior to consummation | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 1659 | XX | XX | XX | 24324457 | 5254195-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1659 | XX | XX | XX | 24324458 | 5254195-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1659 | XX | XX | XX | 24324459 | 5254195-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1771 | XX | XX | XX | 24324463 | 5254866-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1771 | XX | XX | XX | 24324464 | 5254866-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1771 | XX | XX | XX | 24324465 | 5254866-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1679 | XX | XX | XX | 24324470 | 5254182-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1679 | XX | XX | XX | 24324471 | 5254182-2773 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1679 | XX | XX | XX | 24324472 | 5254182-1859 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1679 | XX | XX | XX | 24324474 | 5254182-2702 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1612 | XX | XX | XX | 24324477 | 5254000-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1612 | XX | XX | XX | 24324478 | 5254000-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1839 | XX | XX | XX | 24324486 | 5253867-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1839 | XX | XX | XX | 24324487 | 5253867-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1355 | XX | XX | XX | 24324508 | 5255359-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1355 | XX | XX | XX | 24324509 | 5255359-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Purchase | B | No | |||||||||||||
| 1355 | XX | XX | XX | 24324510 | 5255359-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1556 | XX | XX | XX | 24324561 | 5253936-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | UTD - UTD | D | No | |||||||||||||
| 1556 | XX | XX | XX | 24324563 | 5253936-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | UTD - UTD | D | No | |||||||||||||
| 1556 | XX | XX | XX | 24324564 | 5253936-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | AL | Primary | UTD - UTD | D | No | ||||||||||||
| 1556 | XX | XX | XX | 24324565 | 5253936-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | Primary | UTD - UTD | D | No | ||||||||||||
| 1556 | XX | XX | XX | 24324566 | 5253936-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | Primary | UTD - UTD | D | No | ||||||||||||
| 1556 | XX | XX | XX | 24324567 | 5253936-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AL | Primary | UTD - UTD | D | No | ||||||||||||
| 1556 | XX | XX | XX | 24324568 | 5253936-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AL | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1556 | XX | XX | XX | 24324569 | 5253936-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | UTD - UTD | D | No | ||||||||||||
| 1744 | XX | XX | XX | 24324607 | 5254404-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1744 | XX | XX | XX | 24324608 | 5254404-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $99,139.81 is underdisclosed from calculated Finance Charge of $99,364.81 in the amount of $225.00. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1794 | XX | XX | XX | 24324618 | 5255421-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1282 | XX | XX | XX | 24324633 | 5254949-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1282 | XX | XX | XX | 24324635 | 5254949-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1282 | XX | XX | XX | 24324636 | 5254949-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1282 | XX | XX | XX | 24324637 | 5254949-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1282 | XX | XX | XX | 24324638 | 5254949-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1282 | XX | XX | XX | 24324639 | 5254949-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1541 | XX | XX | XX | 24324641 | 5254619-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1541 | XX | XX | XX | 24324642 | 5254619-28241 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1736 | XX | XX | XX | 24324647 | 5254108-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1736 | XX | XX | XX | 24324648 | 5254108-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1084 | XX | XX | XX | 24324675 | 5255344-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1084 | XX | XX | XX | 24324676 | 5255344-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1098 | XX | XX | XX | 24324678 | 5254915-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 1204 | XX | XX | XX | 24324680 | 5255135-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1672 | XX | XX | XX | 24324690 | 5255010-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WA | Primary | Purchase | D | No | |||||||||||||
| 1672 | XX | XX | XX | 24324691 | 5255010-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1672 | XX | XX | XX | 24324692 | 5255010-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1672 | XX | XX | XX | 24324693 | 5255010-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1672 | XX | XX | XX | 24324694 | 5255010-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | WA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1672 | XX | XX | XX | 24324695 | 5255010-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | WA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1672 | XX | XX | XX | 24324696 | 5255010-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1434 | XX | XX | XX | 24324701 | 5255390-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324702 | 5255390-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324703 | 5255390-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1434 | XX | XX | XX | 24324704 | 5255390-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1434 | XX | XX | XX | 24324705 | 5255390-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324706 | 5255390-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324707 | 5255390-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324708 | 5255390-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324709 | 5255390-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324710 | 5255390-3071 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324711 | 5255390-3074 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1434 | XX | XX | XX | 24324712 | 5255390-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1685 | XX | XX | XX | 24324717 | 5255177-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1685 | XX | XX | XX | 24324718 | 5255177-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1685 | XX | XX | XX | 24324719 | 5255177-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1685 | XX | XX | XX | 24324720 | 5255177-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $176,805.45 is underdisclosed from calculated Finance Charge of $177,197.08 in the amount of $391.63. | Unable to determine under disclosure due to missing the Itemization of Amount Financed | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1685 | XX | XX | XX | 24324721 | 5255177-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1623 | XX | XX | XX | 24324722 | 5254751-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1623 | XX | XX | XX | 24324724 | 5254751-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1623 | XX | XX | XX | 24324725 | 5254751-7042 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1581 | XX | XX | XX | 24324759 | 5255323-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 1581 | XX | XX | XX | 24324761 | 5255323-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 1581 | XX | XX | XX | 24324762 | 5255323-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 1581 | XX | XX | XX | 24324765 | 5255323-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 1581 | XX | XX | XX | 24324766 | 5255323-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 1581 | XX | XX | XX | 24324767 | 5255323-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 1581 | XX | XX | XX | 24324768 | 5255323-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1581 | XX | XX | XX | 24324769 | 5255323-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 1581 | XX | XX | XX | 24324770 | 5255323-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 1769 | XX | XX | XX | 24324771 | 5255033-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1380 | XX | XX | XX | 24324772 | 5254603-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1516 | XX | XX | XX | 24324773 | 5255020-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $159,604.52 is underdisclosed from calculated Finance Charge of $159,710.59 in the amount of $106.07. | TIL itemization did not disclose a $76 assignment recording fee or $30 courier fee as prepaid finance charges | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1186 | XX | XX | XX | 24324781 | 5255275-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $160,715.17 is underdisclosed from calculated Finance Charge of $162,155.19 in the amount of $1,440.02. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1298 | XX | XX | XX | 24324783 | 5254593-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1298 | XX | XX | XX | 24324784 | 5254593-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324798 | 5255234-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1505 | XX | XX | XX | 24324799 | 5255234-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324800 | 5255234-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324801 | 5255234-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324802 | 5255234-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324803 | 5255234-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324804 | 5255234-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1505 | XX | XX | XX | 24324805 | 5255234-3078 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1583 | XX | XX | XX | 24324809 | 5254486-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1583 | XX | XX | XX | 24324811 | 5254486-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1583 | XX | XX | XX | 24324812 | 5254486-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1583 | XX | XX | XX | 24324813 | 5254486-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1583 | XX | XX | XX | 24324814 | 5254486-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1746 | XX | XX | XX | 24324817 | 5254541-5445 | 07/06/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1746 | XX | XX | XX | 24324818 | 5254541-25677 | 07/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1746 | XX | XX | XX | 24324819 | 5254541-25688 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1444 | XX | XX | XX | 24324874 | 5255237-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1444 | XX | XX | XX | 24324877 | 5255237-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1444 | XX | XX | XX | 24324878 | 5255237-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1444 | XX | XX | XX | 24324879 | 5255237-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1444 | XX | XX | XX | 24324880 | 5255237-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1444 | XX | XX | XX | 24324881 | 5255237-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1444 | XX | XX | XX | 24324882 | 5255237-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1444 | XX | XX | XX | 24324883 | 5255237-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1335 | XX | XX | XX | 24324885 | 5253844-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Investment | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324892 | 5255484-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324893 | 5255484-5434 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324894 | 5255484-6514 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324895 | 5255484-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324896 | 5255484-6509 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324897 | 5255484-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324898 | 5255484-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324899 | 5255484-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324900 | 5255484-3141 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324901 | 5255484-18362 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1620 | XX | XX | XX | 24324902 | 5255484-3078 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1074 | XX | XX | XX | 24324920 | 5254534-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1151 | XX | XX | XX | 24324950 | 5255353-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1151 | XX | XX | XX | 24324951 | 5255353-7042 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1407 | XX | XX | XX | 24324965 | 5255236-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1555 | XX | XX | XX | 24324966 | 5254764-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | HI | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1678 | XX | XX | XX | 24324968 | 5254240-611 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 1678 | XX | XX | XX | 24324969 | 5254240-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 1678 | XX | XX | XX | 24324970 | 5254240-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 1678 | XX | XX | XX | 24324972 | 5254240-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1678 | XX | XX | XX | 24324973 | 5254240-6306 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1678 | XX | XX | XX | 24324974 | 5254240-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1798 | XX | XX | XX | 24324982 | 5253917-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 1798 | XX | XX | XX | 24324983 | 5253917-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1798 | XX | XX | XX | 24324984 | 5253917-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1798 | XX | XX | XX | 24324985 | 5253917-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1798 | XX | XX | XX | 24324986 | 5253917-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1454 | XX | XX | XX | 24324987 | 5255196-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1454 | XX | XX | XX | 24324988 | 5255196-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1454 | XX | XX | XX | 24324989 | 5255196-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1454 | XX | XX | XX | 24324990 | 5255196-1992 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1442 | XX | XX | XX | 24324999 | 5255054-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1253 | XX | XX | XX | 24325017 | 5254753-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1253 | XX | XX | XX | 24325018 | 5254753-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1527 | XX | XX | XX | 24325043 | 5255284-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1527 | XX | XX | XX | 24325044 | 5255284-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $194,875.26 is underdisclosed from calculated Finance Charge of $195,273.52 in the amount of $398.26. | Unable to determine under disclosure due to the missing itemization of amount financed. | 2 | B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1304 | XX | XX | XX | 24325049 | 5255048-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1575 | XX | XX | XX | 24325047 | 5255093-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1251 | XX | XX | XX | 24325051 | 5254525-6577 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1251 | XX | XX | XX | 24325052 | 5254525-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1251 | XX | XX | XX | 24325053 | 5254525-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $362,777.80 is underdisclosed from calculated Finance Charge of $363,108.84 in the amount of $331.04. | TIL itemization did not disclose a courier fee of $4.11, document signing fee of $325, and flood cert life of loan fee of $2.00 as prepaid finance charges. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 1251 | XX | XX | XX | 24325054 | 5254525-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1471 | XX | XX | XX | 24325061 | 5255298-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1698 | XX | XX | XX | 24325074 | 5254007-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1261 | XX | XX | XX | 24325076 | 5254639-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1261 | XX | XX | XX | 24325077 | 5254639-22050 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1261 | XX | XX | XX | 24325078 | 5254639-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1456 | XX | XX | XX | 24325080 | 5255391-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325081 | 5255391-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325082 | 5255391-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325083 | 5255391-2694 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325084 | 5255391-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325085 | 5255391-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325086 | 5255391-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325087 | 5255391-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1456 | XX | XX | XX | 24325088 | 5255391-6443 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.20932% or Final Disclosure APR of 4.24200% is in excess of allowable threshold of APOR 2.72% + 1.5%, or 4.22000%. Non-Compliant Higher Priced Mortgage Loan. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1456 | XX | XX | XX | 24325089 | 5255391-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325106 | 5255218-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325107 | 5255218-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325108 | 5255218-5430 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1244 | XX | XX | XX | 24325109 | 5255218-5432 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1244 | XX | XX | XX | 24325110 | 5255218-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325111 | 5255218-2694 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325112 | 5255218-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325113 | 5255218-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325114 | 5255218-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325115 | 5255218-1973 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325116 | 5255218-1976 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325117 | 5255218-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1244 | XX | XX | XX | 24325118 | 5255218-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1245 | XX | XX | XX | 24325121 | 5254828-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1485 | XX | XX | XX | 24325123 | 5254960-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1485 | XX | XX | XX | 24325124 | 5254960-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1485 | XX | XX | XX | 24325125 | 5254960-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1485 | XX | XX | XX | 24325126 | 5254960-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1485 | XX | XX | XX | 24325127 | 5254960-7039 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1566 | XX | XX | XX | 24325131 | 5254791-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1258 | XX | XX | XX | 24325147 | 5255166-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1258 | XX | XX | XX | 24325148 | 5255166-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1597 | XX | XX | XX | 24325164 | 5254844-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1203 | XX | XX | XX | 24325169 | 5254513-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1663 | XX | XX | XX | 24325172 | 5254867-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1876 | XX | XX | XX | 24325199 | 5254936-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1876 | XX | XX | XX | 24325200 | 5254936-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1064 | XX | XX | XX | 24325202 | 5255145-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1406 | XX | XX | XX | 24325204 | 5255256-5445 | 07/06/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1406 | XX | XX | XX | 24325205 | 5255256-25158 | 07/06/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1306 | XX | XX | XX | 24325208 | 5254498-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1306 | XX | XX | XX | 24325209 | 5254498-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1306 | XX | XX | XX | 24325210 | 5254498-25687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1480 | XX | XX | XX | 24325211 | 5254767-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1806 | XX | XX | XX | 24325225 | 5253964-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1806 | XX | XX | XX | 24325226 | 5253964-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325227 | 5255028-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325228 | 5255028-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325229 | 5255028-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325230 | 5255028-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325231 | 5255028-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1191 | XX | XX | XX | 24325232 | 5255028-23081 | 07/20/2021 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325233 | 5255028-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $129,355.76 is underdisclosed from calculated Finance Charge of $129,608.27 in the amount of $252.51. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1191 | XX | XX | XX | 24325234 | 5255028-5010 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1191 | XX | XX | XX | 24325235 | 5255028-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 1191 | XX | XX | XX | 24325236 | 5255028-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1118 | XX | XX | XX | 24325242 | 5254591-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $82,996.28 is underdisclosed from calculated Finance Charge of $83,074.85 in the amount of $78.57. | Lenders Final TIL represents 60 monthly payments of MI. Whereas audited finance charge reflects 62 monthly payments of MI and a fall-off after approximately 78% LTV. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1585 | XX | XX | XX | 24325246 | 5254865-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 1585 | XX | XX | XX | 24325247 | 5254865-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 1585 | XX | XX | XX | 24325248 | 5254865-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $209,753.89 is underdisclosed from calculated Finance Charge of $209,900.96 in the amount of $147.07. | Fees are under disclosed and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1693 | XX | XX | XX | 24325250 | 5254301-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1693 | XX | XX | XX | 24325251 | 5254301-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1693 | XX | XX | XX | 24325252 | 5254301-2499 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1693 | XX | XX | XX | 24325253 | 5254301-2647 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1665 | XX | XX | XX | 24325257 | 5255213-2659 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $193,094.57 is underdisclosed from calculated Finance Charge of $193,197.23 in the amount of $102.66. | TIL Itemization of Amount Financed did not disclose a Settlement fee of $102.78 as a prepaid finance charge. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1665 | XX | XX | XX | 24325258 | 5255213-3934 | 07/06/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1695 | XX | XX | XX | 24325259 | 5254311-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Investment | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1475 | XX | XX | XX | 24325277 | 5255282-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 1475 | XX | XX | XX | 24325279 | 5255282-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 1475 | XX | XX | XX | 24325280 | 5255282-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1475 | XX | XX | XX | 24325281 | 5255282-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1475 | XX | XX | XX | 24325282 | 5255282-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1475 | XX | XX | XX | 24325283 | 5255282-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1765 | XX | XX | XX | 24325288 | 5255483-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1765 | XX | XX | XX | 24325289 | 5255483-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1765 | XX | XX | XX | 24325290 | 5255483-2794 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1765 | XX | XX | XX | 24325291 | 5255483-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1757 | XX | XX | XX | 24325296 | 5254792-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1757 | XX | XX | XX | 24325297 | 5254792-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1060 | XX | XX | XX | 24325299 | 5255258-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1060 | XX | XX | XX | 24325300 | 5255258-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1511 | XX | XX | XX | 24325301 | 5255458-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1511 | XX | XX | XX | 24325302 | 5255458-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $200,520.51 is underdisclosed from calculated Finance Charge of $202,251.74 in the amount of $1,731.23. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1648 | XX | XX | XX | 24325337 | 5254967-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | OH | Primary | Purchase | D | No | ||||||||||||
| 1648 | XX | XX | XX | 24325339 | 5254967-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | OH | Primary | Purchase | D | No | ||||||||||||
| 1783 | XX | XX | XX | 24325344 | 5253908-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1783 | XX | XX | XX | 24325345 | 5253908-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1783 | XX | XX | XX | 24325346 | 5253908-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1783 | XX | XX | XX | 24325347 | 5253908-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1783 | XX | XX | XX | 24325348 | 5253908-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1783 | XX | XX | XX | 24325351 | 5253908-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1383 | XX | XX | XX | 24325355 | 5255134-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1383 | XX | XX | XX | 24325356 | 5255134-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1383 | XX | XX | XX | 24325357 | 5255134-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1383 | XX | XX | XX | 24325358 | 5255134-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||
| 1701 | XX | XX | XX | 24325359 | 5254251-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1701 | XX | XX | XX | 24325360 | 5254251-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1613 | XX | XX | XX | 24325373 | 5254889-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1613 | XX | XX | XX | 24325374 | 5254889-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1613 | XX | XX | XX | 24325375 | 5254889-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1068 | XX | XX | XX | 24325393 | 5255361-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $564,135.97 is underdisclosed from calculated Finance Charge of $564,226.13 in the amount of $90.16. | Unable to verify the reason for the under disclosure due to missing itemization. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1068 | XX | XX | XX | 24325394 | 5255361-25500 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Virginia Prepayment Penalty | Virginia Prepayment Penalty: Maximum calculated prepay of $11,220.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $8,160.00. Prepay language states prepay will not exceed maximum permitted by applicable law. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1099 | XX | XX | XX | 24325384 | 5254998-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 1099 | XX | XX | XX | 24325385 | 5254998-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 1099 | XX | XX | XX | 24325386 | 5254998-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 1099 | XX | XX | XX | 24325387 | 5254998-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 1099 | XX | XX | XX | 24325388 | 5254998-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Purchase | D | No | |||||||||||||
| 1099 | XX | XX | XX | 24325391 | 5254998-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | D | No | |||||||||||||
| 1476 | XX | XX | XX | 24325450 | 5255246-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1476 | XX | XX | XX | 24325451 | 5255246-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | MT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1476 | XX | XX | XX | 24325452 | 5255246-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1170 | XX | XX | XX | 24325453 | 5255456-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1170 | XX | XX | XX | 24325454 | 5255456-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $432,912.90 is underdisclosed from calculated Finance Charge of $433,203.01 in the amount of $290.11. | TIL itemization did not disclose $250 settlement fee, $10 assignment recording fee, $10 subordination recording fee or $20 courier fee as prepaid finance charge | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1391 | XX | XX | XX | 24325460 | 5254114-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1391 | XX | XX | XX | 24325461 | 5254114-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1391 | XX | XX | XX | 24325462 | 5254114-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1391 | XX | XX | XX | 24325463 | 5254114-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1506 | XX | XX | XX | 24325464 | 5254264-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1506 | XX | XX | XX | 24325465 | 5254264-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1506 | XX | XX | XX | 24325466 | 5254264-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1707 | XX | XX | XX | 24325468 | 5253997-3934 | 07/06/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 1707 | XX | XX | XX | 24325469 | 5253997-25688 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1707 | XX | XX | XX | 24325470 | 5253997-6306 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1758 | XX | XX | XX | 24325487 | 5254748-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1758 | XX | XX | XX | 24325488 | 5254748-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1758 | XX | XX | XX | 24325489 | 5254748-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1630 | XX | XX | XX | 24325583 | 5254092-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Investment | Purchase | B | No | ||||||||||||
| 1283 | XX | XX | XX | 24325621 | 5254734-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1827 | XX | XX | XX | 24325625 | 5254864-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1827 | XX | XX | XX | 24325626 | 5254864-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1374 | XX | XX | XX | 24325643 | 5255126-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1374 | XX | XX | XX | 24325644 | 5255126-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $309,112.85 is underdisclosed from calculated Finance Charge of $309,177.09 in the amount of $64.24. | TIL Itemization only disclosed origination charges in the amount
of $3,003.88 and final HUD reflects $3,067.88. |
2 | B | XX | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1374 | XX | XX | XX | 24325645 | 5255126-5010 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1276 | XX | XX | XX | 24325647 | 5255462-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1687 | XX | XX | XX | 24325649 | 5254946-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $91,499.39 is underdisclosed from calculated Finance Charge of $91,919.04 in the amount of $419.65. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1816 | XX | XX | XX | 24325650 | 5254957-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1816 | XX | XX | XX | 24325651 | 5254957-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1816 | XX | XX | XX | 24325652 | 5254957-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1816 | XX | XX | XX | 24325653 | 5254957-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1816 | XX | XX | XX | 24325654 | 5254957-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1791 | XX | XX | XX | 24325655 | 5253885-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1354 | XX | XX | XX | 24325660 | 5255461-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1354 | XX | XX | XX | 24325661 | 5255461-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1354 | XX | XX | XX | 24325662 | 5255461-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1354 | XX | XX | XX | 24325663 | 5255461-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1354 | XX | XX | XX | 24325664 | 5255461-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1354 | XX | XX | XX | 24325665 | 5255461-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1354 | XX | XX | XX | 24325666 | 5255461-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1462 | XX | XX | XX | 24325669 | 5254862-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1462 | XX | XX | XX | 24325670 | 5254862-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1462 | XX | XX | XX | 24325671 | 5254862-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1499 | XX | XX | XX | 24325680 | 5254460-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1499 | XX | XX | XX | 24325682 | 5254460-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1499 | XX | XX | XX | 24325684 | 5254460-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1499 | XX | XX | XX | 24325685 | 5254460-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1499 | XX | XX | XX | 24325686 | 5254460-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1499 | XX | XX | XX | 24325687 | 5254460-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1499 | XX | XX | XX | 24325688 | 5254460-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1196 | XX | XX | XX | 24325698 | 5255251-2706 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1196 | XX | XX | XX | 24325699 | 5255251-2773 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1196 | XX | XX | XX | 24325700 | 5255251-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1196 | XX | XX | XX | 24325701 | 5255251-6514 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1196 | XX | XX | XX | 24325702 | 5255251-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1246 | XX | XX | XX | 24325703 | 5254463-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1246 | XX | XX | XX | 24325704 | 5254463-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1246 | XX | XX | XX | 24325705 | 5254463-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1105 | XX | XX | XX | 24325750 | 5254564-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1105 | XX | XX | XX | 24325751 | 5254564-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1105 | XX | XX | XX | 24325752 | 5254564-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1105 | XX | XX | XX | 24325753 | 5254564-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1105 | XX | XX | XX | 24325755 | 5254564-1891 | 07/20/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1105 | XX | XX | XX | 24325756 | 5254564-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1105 | XX | XX | XX | 24325757 | 5254564-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1105 | XX | XX | XX | 24325759 | 5254564-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1599 | XX | XX | XX | 24325821 | 5254648-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1599 | XX | XX | XX | 24325822 | 5254648-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1756 | XX | XX | XX | 24325824 | 5254886-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1756 | XX | XX | XX | 24325825 | 5254886-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1756 | XX | XX | XX | 24325826 | 5254886-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1589 | XX | XX | XX | 24325847 | 5255262-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1589 | XX | XX | XX | 24325848 | 5255262-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1361 | XX | XX | XX | 24325860 | 5254883-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1185 | XX | XX | XX | 24325879 | 5254555-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1497 | XX | XX | XX | 24325882 | 5254935-7027 | 07/06/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Investment | Purchase | B | No | ||||||||||||
| 1649 | XX | XX | XX | 24325909 | 5255070-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1755 | XX | XX | XX | 24325912 | 5255366-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Investment | Purchase | B | No | ||||||||||||
| 1590 | XX | XX | XX | 24325937 | 5254487-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1445 | XX | XX | XX | 24325946 | 5255214-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1445 | XX | XX | XX | 24325947 | 5255214-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $467,825.61 is underdisclosed from calculated Finance Charge of $467,966.33 in the amount of $140.72. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1644 | XX | XX | XX | 24325976 | 5255148-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1644 | XX | XX | XX | 24325977 | 5255148-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1650 | XX | XX | XX | 24325989 | 5254268-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OK | Second Home | Purchase | B | No | ||||||||||||
| 1650 | XX | XX | XX | 24325990 | 5254268-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | OK | Second Home | Purchase | B | No | ||||||||||||
| 1198 | XX | XX | XX | 24325993 | 5255108-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1198 | XX | XX | XX | 24325994 | 5255108-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1198 | XX | XX | XX | 24325995 | 5255108-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1198 | XX | XX | XX | 24325996 | 5255108-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1161 | XX | XX | XX | 24326017 | 5254827-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1846 | XX | XX | XX | 24326016 | 5254132-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1175 | XX | XX | XX | 24326021 | 5254587-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1175 | XX | XX | XX | 24326022 | 5254587-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1175 | XX | XX | XX | 24326023 | 5254587-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1488 | XX | XX | XX | 24326025 | 5254991-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1488 | XX | XX | XX | 24326026 | 5254991-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1488 | XX | XX | XX | 24326027 | 5254991-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1488 | XX | XX | XX | 24326028 | 5254991-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1488 | XX | XX | XX | 24326029 | 5254991-22050 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1488 | XX | XX | XX | 24326030 | 5254991-7039 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1488 | XX | XX | XX | 24326031 | 5254991-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1231 | XX | XX | XX | 24326033 | 5254931-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1079 | XX | XX | XX | 24326038 | 5254841-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1079 | XX | XX | XX | 24326040 | 5254841-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1067 | XX | XX | XX | 24326043 | 5254816-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1753 | XX | XX | XX | 24326053 | 5255179-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1753 | XX | XX | XX | 24326054 | 5255179-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $59,559.07 is underdisclosed from calculated Finance Charge of $59,889.09 in the amount of $330.02. | Unable to determine the reason for the under disclosure due to the itemization of amount financed prepaid charges and HUD 1 fees match. Appears to be fee related | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1753 | XX | XX | XX | 24326055 | 5255179-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1753 | XX | XX | XX | 24326056 | 5255179-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1072 | XX | XX | XX | 24326067 | 5254608-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1072 | XX | XX | XX | 24326068 | 5254608-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1639 | XX | XX | XX | 24326076 | 5253999-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1437 | XX | XX | XX | 24326108 | 5254538-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1437 | XX | XX | XX | 24326109 | 5254538-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1409 | XX | XX | XX | 24326111 | 5254937-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1409 | XX | XX | XX | 24326112 | 5254937-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1409 | XX | XX | XX | 24326113 | 5254937-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1409 | XX | XX | XX | 24326114 | 5254937-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1213 | XX | XX | XX | 24326117 | 5255096-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326118 | 5254344-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326119 | 5254344-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326120 | 5254344-3716 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not Compliant | Maryland HB1399 - Counseling disclosure not compliant per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326121 | 5254344-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $345,481.78 is underdisclosed from calculated Finance Charge of $345,831.52 in the amount of $349.74. | TIL Itemization did not disclose the $350 title service charge fee as prepaid finance charges. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1366 | XX | XX | XX | 24326122 | 5254344-5434 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326123 | 5254344-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1366 | XX | XX | XX | 24326124 | 5254344-6509 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1582 | XX | XX | XX | 24326128 | 5254053-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1582 | XX | XX | XX | 24326129 | 5254053-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1582 | XX | XX | XX | 24326130 | 5254053-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1582 | XX | XX | XX | 24326131 | 5254053-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1582 | XX | XX | XX | 24326132 | 5254053-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1535 | XX | XX | XX | 24326147 | 5254664-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WA | Primary | Purchase | B | No | |||||||||||||
| 1683 | XX | XX | XX | 24326148 | 5253845-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1113 | XX | XX | XX | 24326159 | 5254992-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1521 | XX | XX | XX | 24326167 | 5254712-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1521 | XX | XX | XX | 24326168 | 5254712-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1199 | XX | XX | XX | 24326191 | 5254774-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1199 | XX | XX | XX | 24326192 | 5254774-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1199 | XX | XX | XX | 24326193 | 5254774-2212 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1199 | XX | XX | XX | 24326194 | 5254774-2223 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1563 | XX | XX | XX | 24326196 | 5254080-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1563 | XX | XX | XX | 24326197 | 5254080-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1718 | XX | XX | XX | 24326201 | 5254552-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $89,092.33 is underdisclosed from calculated Finance Charge of $89,157.33 in the amount of $65.00. | TIL Itemization did not disclose $50.00 Recording Service Fee or $15.00 Service Charges as Prepaid Finance Charges. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1453 | XX | XX | XX | 24326207 | 5255398-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1453 | XX | XX | XX | 24326208 | 5255398-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1453 | XX | XX | XX | 24326209 | 5255398-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1453 | XX | XX | XX | 24326210 | 5255398-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1453 | XX | XX | XX | 24326211 | 5255398-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326217 | 5254068-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326218 | 5254068-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326219 | 5254068-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326220 | 5254068-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326221 | 5254068-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1642 | XX | XX | XX | 24326222 | 5254068-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1642 | XX | XX | XX | 24326223 | 5254068-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1651 | XX | XX | XX | 24326226 | 5254082-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1692 | XX | XX | XX | 24326230 | 5254138-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1692 | XX | XX | XX | 24326231 | 5254138-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1692 | XX | XX | XX | 24326232 | 5254138-2212 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1193 | XX | XX | XX | 24326253 | 5254989-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | |||||||||||||
| 1193 | XX | XX | XX | 24326255 | 5254989-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | |||||||||||||
| 1193 | XX | XX | XX | 24326256 | 5254989-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | ||||||||||||
| 1193 | XX | XX | XX | 24326257 | 5254989-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | UTD | Refinance - UTD | D | No | ||||||||||||
| 1193 | XX | XX | XX | 24326258 | 5254989-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | ||||||||||||
| 1193 | XX | XX | XX | 24326259 | 5254989-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | ||||||||||||
| 1193 | XX | XX | XX | 24326260 | 5254989-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1193 | XX | XX | XX | 24326261 | 5254989-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | ||||||||||||
| 1193 | XX | XX | XX | 24326262 | 5254989-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | OH | UTD | Refinance - UTD | D | No | |||||||||||||
| 1310 | XX | XX | XX | 24326271 | 5254057-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Purchase | B | No | |||||||||||||
| 1310 | XX | XX | XX | 24326272 | 5254057-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1310 | XX | XX | XX | 24326273 | 5254057-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1150 | XX | XX | XX | 24326275 | 5255191-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1150 | XX | XX | XX | 24326276 | 5255191-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1150 | XX | XX | XX | 24326277 | 5255191-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1853 | XX | XX | XX | 24326278 | 5254857-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 1853 | XX | XX | XX | 24326279 | 5254857-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 1853 | XX | XX | XX | 24326280 | 5254857-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 1853 | XX | XX | XX | 24326281 | 5254857-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 1853 | XX | XX | XX | 24326283 | 5254857-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 1853 | XX | XX | XX | 24326284 | 5254857-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 1853 | XX | XX | XX | 24326285 | 5254857-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 1641 | XX | XX | XX | 24326302 | 5254005-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,633.18 is underdisclosed from calculated Finance Charge of $114,981.31 in the amount of $348.13. | Itemization of Amount Financed does not include the $400 Escrow fee in the Prepaid Finance Charges. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1729 | XX | XX | XX | 24326305 | 5253935-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KS | Primary | Purchase | B | No | |||||||||||||
| 1729 | XX | XX | XX | 24326306 | 5253935-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1729 | XX | XX | XX | 24326307 | 5253935-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1739 | XX | XX | XX | 24326316 | 5254569-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1739 | XX | XX | XX | 24326317 | 5254569-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1739 | XX | XX | XX | 24326318 | 5254569-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1702 | XX | XX | XX | 24326328 | 5254427-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing. | 2 | B | XX | MI | Primary | Refinance - UTD | D | No | ||||||||||||
| 1702 | XX | XX | XX | 24326329 | 5254427-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MI | Primary | Refinance - UTD | D | No | ||||||||||||
| 1702 | XX | XX | XX | 24326330 | 5254427-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MI | Primary | Refinance - UTD | D | No | ||||||||||||
| 1702 | XX | XX | XX | 24326331 | 5254427-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1702 | XX | XX | XX | 24326332 | 5254427-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - UTD | D | No | ||||||||||||
| 1702 | XX | XX | XX | 24326333 | 5254427-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | Primary | Refinance - UTD | D | No | |||||||||||||
| 1702 | XX | XX | XX | 24326335 | 5254427-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - UTD | D | No | |||||||||||||
| 1460 | XX | XX | XX | 24326360 | 5255153-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1460 | XX | XX | XX | 24326361 | 5255153-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1837 | XX | XX | XX | 24326380 | 5253929-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1837 | XX | XX | XX | 24326381 | 5253929-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1837 | XX | XX | XX | 24326382 | 5253929-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1837 | XX | XX | XX | 24326383 | 5253929-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1837 | XX | XX | XX | 24326384 | 5253929-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1628 | XX | XX | XX | 24326404 | 5254566-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1628 | XX | XX | XX | 24326405 | 5254566-6577 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NC | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1628 | XX | XX | XX | 24326406 | 5254566-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1531 | XX | XX | XX | 24326408 | 5254713-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1296 | XX | XX | XX | 24326418 | 5254010-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1401 | XX | XX | XX | 24326422 | 5254451-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1401 | XX | XX | XX | 24326423 | 5254451-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1490 | XX | XX | XX | 24326420 | 5254179-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1312 | XX | XX | XX | 24326425 | 5255412-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1312 | XX | XX | XX | 24326426 | 5255412-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1109 | XX | XX | XX | 24326442 | 5254137-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1618 | XX | XX | XX | 24326450 | 5254133-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1618 | XX | XX | XX | 24326451 | 5254133-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1618 | XX | XX | XX | 24326452 | 5254133-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1618 | XX | XX | XX | 24326453 | 5254133-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1440 | XX | XX | XX | 24326457 | 5255263-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1440 | XX | XX | XX | 24326459 | 5255263-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1440 | XX | XX | XX | 24326460 | 5255263-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1440 | XX | XX | XX | 24326461 | 5255263-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1153 | XX | XX | XX | 24326462 | 5255331-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1153 | XX | XX | XX | 24326463 | 5255331-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1572 | XX | XX | XX | 24326468 | 5254119-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1572 | XX | XX | XX | 24326469 | 5254119-6577 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1572 | XX | XX | XX | 24326470 | 5254119-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1572 | XX | XX | XX | 24326472 | 5254119-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1403 | XX | XX | XX | 24326476 | 5254160-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1403 | XX | XX | XX | 24326477 | 5254160-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1403 | XX | XX | XX | 24326478 | 5254160-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1403 | XX | XX | XX | 24326479 | 5254160-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1403 | XX | XX | XX | 24326480 | 5254160-3072 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Interest Rate Inaccurate | Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1327 | XX | XX | XX | 24326503 | 5254647-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1327 | XX | XX | XX | 24326504 | 5254647-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1327 | XX | XX | XX | 24326505 | 5254647-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1172 | XX | XX | XX | 24326508 | 5255247-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 1221 | XX | XX | XX | 24326510 | 5255312-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326513 | 5254177-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326514 | 5254177-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326515 | 5254177-5428 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1495 | XX | XX | XX | 24326516 | 5254177-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1495 | XX | XX | XX | 24326517 | 5254177-5431 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1495 | XX | XX | XX | 24326518 | 5254177-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1495 | XX | XX | XX | 24326519 | 5254177-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326520 | 5254177-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326521 | 5254177-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326522 | 5254177-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326523 | 5254177-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326524 | 5254177-20735 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326525 | 5254177-1992 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326526 | 5254177-5670 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Test | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1495 | XX | XX | XX | 24326527 | 5254177-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $132,463.00 is underdisclosed from calculated Finance Charge of $133,148.88 in the amount of $685.88. | Under disclosure appears to be payment stream related, due to MI calculation. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1495 | XX | XX | XX | 24326528 | 5254177-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1808 | XX | XX | XX | 24326531 | 5254852-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 1808 | XX | XX | XX | 24326534 | 5254852-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 1808 | XX | XX | XX | 24326535 | 5254852-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1995 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1808 | XX | XX | XX | 24326536 | 5254852-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1808 | XX | XX | XX | 24326537 | 5254852-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1808 | XX | XX | XX | 24326538 | 5254852-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1808 | XX | XX | XX | 24326539 | 5254852-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1076 | XX | XX | XX | 24326553 | 5254688-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1076 | XX | XX | XX | 24326554 | 5254688-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1076 | XX | XX | XX | 24326555 | 5254688-6306 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1302 | XX | XX | XX | 24326558 | 5255437-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1331 | XX | XX | XX | 24326560 | 5255313-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1331 | XX | XX | XX | 24326561 | 5255313-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $257,283.70 is underdisclosed from calculated Finance Charge of $258,443.67 in the amount of $1,159.97. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. Appears to be fee related | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1164 | XX | XX | XX | 24326577 | 5254877-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1164 | XX | XX | XX | 24326578 | 5254877-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1164 | XX | XX | XX | 24326579 | 5254877-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1164 | XX | XX | XX | 24326580 | 5254877-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1709 | XX | XX | XX | 24326617 | 5255229-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1709 | XX | XX | XX | 24326618 | 5255229-2788 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1239 | XX | XX | XX | 24326655 | 5255400-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1239 | XX | XX | XX | 24326656 | 5255400-3140 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Application is dated 7/XX/2013 and the only evidence this disclosure was provided is dated 7/XX/2013. | 2 | B | XX | NH | Primary | Purchase | B | No | |||||||||||
| 1183 | XX | XX | XX | 24326684 | 5254536-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 1183 | XX | XX | XX | 24326686 | 5254536-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1183 | XX | XX | XX | 24326687 | 5254536-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1183 | XX | XX | XX | 24326688 | 5254536-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1183 | XX | XX | XX | 24326689 | 5254536-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 1565 | XX | XX | XX | 24326690 | 5253995-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1565 | XX | XX | XX | 24326691 | 5253995-22866 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1767 | XX | XX | XX | 24326697 | 5254583-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1767 | XX | XX | XX | 24326698 | 5254583-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1767 | XX | XX | XX | 24326699 | 5254583-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1767 | XX | XX | XX | 24326700 | 5254583-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1767 | XX | XX | XX | 24326701 | 5254583-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1515 | XX | XX | XX | 24326707 | 5254824-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1515 | XX | XX | XX | 24326708 | 5254824-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1515 | XX | XX | XX | 24326709 | 5254824-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1515 | XX | XX | XX | 24326710 | 5254824-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1598 | XX | XX | XX | 24326714 | 5254196-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1598 | XX | XX | XX | 24326715 | 5254196-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1598 | XX | XX | XX | 24326716 | 5254196-3141 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1450 | XX | XX | XX | 24326717 | 5254757-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1887 | XX | XX | XX | 24326725 | 5255432-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Second Home | Refinance - Rate/Term | B | No | |||||||||||||
| 1887 | XX | XX | XX | 24326727 | 5255432-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 1602 | XX | XX | XX | 24326733 | 5254553-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1602 | XX | XX | XX | 24326734 | 5254553-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1602 | XX | XX | XX | 24326735 | 5254553-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1602 | XX | XX | XX | 24326736 | 5254553-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1602 | XX | XX | XX | 24326737 | 5254553-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1602 | XX | XX | XX | 24326738 | 5254553-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1820 | XX | XX | XX | 24326740 | 5253943-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Second Home | Purchase | B | No | ||||||||||||
| 1557 | XX | XX | XX | 24326753 | 5254529-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1557 | XX | XX | XX | 24326754 | 5254529-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1818 | XX | XX | XX | 24326768 | 5255273-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1818 | XX | XX | XX | 24326770 | 5255273-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | OH | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1818 | XX | XX | XX | 24326771 | 5255273-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1818 | XX | XX | XX | 24326772 | 5255273-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 1818 | XX | XX | XX | 24326773 | 5255273-7040 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1818 | XX | XX | XX | 24326774 | 5255273-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1818 | XX | XX | XX | 24326776 | 5255273-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1859 | XX | XX | XX | 24326803 | 5254455-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Purchase | D | No | |||||||||||||
| 1859 | XX | XX | XX | 24326804 | 5254455-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | LA | Primary | Purchase | D | No | ||||||||||||
| 1859 | XX | XX | XX | 24326805 | 5254455-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | LA | Primary | Purchase | D | No | ||||||||||||
| 1859 | XX | XX | XX | 24326806 | 5254455-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | LA | Primary | Purchase | D | No | ||||||||||||
| 1859 | XX | XX | XX | 24326807 | 5254455-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | LA | Primary | Purchase | D | No | ||||||||||||
| 1316 | XX | XX | XX | 24326809 | 5254902-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1369 | XX | XX | XX | 24326810 | 5254592-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | ME | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1369 | XX | XX | XX | 24326811 | 5254592-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | ME | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1238 | XX | XX | XX | 24326823 | 5255087-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1230 | XX | XX | XX | 24326827 | 5254438-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 1230 | XX | XX | XX | 24326828 | 5254438-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 1230 | XX | XX | XX | 24326829 | 5254438-6419 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 9.70300% is underdisclosed from calculated APR of 11.32268% outside of 0.250% tolerance. | Final TIL itemization does not reflect PMI. | 2 | B | XX | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1230 | XX | XX | XX | 24326830 | 5254438-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $39,230.49 is underdisclosed from calculated Finance Charge of $43,201.63 in the amount of $3,971.14. | Payment stream under disclosure is due to lender's TIL not reflecting MI. Fee portion of under disclosure is due to TIL itemization not reflecting MI reserves of $91.50 and Courier fee of $25 as prepaid finance charges. | 2 | B | XX | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1230 | XX | XX | XX | 24326831 | 5254438-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326832 | 5254332-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326833 | 5254332-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326834 | 5254332-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326835 | 5254332-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326836 | 5254332-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326837 | 5254332-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326838 | 5254332-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1420 | XX | XX | XX | 24326839 | 5254332-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1782 | XX | XX | XX | 24326842 | 5254925-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1714 | XX | XX | XX | 24326845 | 5254259-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1714 | XX | XX | XX | 24326846 | 5254259-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1752 | XX | XX | XX | 24326878 | 5253883-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 1752 | XX | XX | XX | 24326880 | 5253883-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 1752 | XX | XX | XX | 24326881 | 5253883-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1752 | XX | XX | XX | 24326882 | 5253883-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1752 | XX | XX | XX | 24326883 | 5253883-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1752 | XX | XX | XX | 24326884 | 5253883-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 1512 | XX | XX | XX | 24326888 | 5254439-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | ||||||||||||
| 1512 | XX | XX | XX | 24326889 | 5254439-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NJ | UTD | UTD - UTD | D | No | ||||||||||||
| 1512 | XX | XX | XX | 24326890 | 5254439-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | ||||||||||||
| 1512 | XX | XX | XX | 24326891 | 5254439-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1512 | XX | XX | XX | 24326892 | 5254439-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | ||||||||||||
| 1512 | XX | XX | XX | 24326893 | 5254439-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | |||||||||||||
| 1512 | XX | XX | XX | 24326895 | 5254439-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | |||||||||||||
| 1512 | XX | XX | XX | 24326896 | 5254439-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NJ | UTD | UTD - UTD | D | No | |||||||||||||
| 1385 | XX | XX | XX | 24326909 | 5255078-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326935 | 5254795-6509 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326936 | 5254795-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326937 | 5254795-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326938 | 5254795-2691 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326939 | 5254795-2706 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326940 | 5254795-3141 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326941 | 5254795-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326942 | 5254795-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1543 | XX | XX | XX | 24326944 | 5254795-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1543 | XX | XX | XX | 24326945 | 5254795-6444 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76526% or Final Disclosure APR of 5.81800% is in excess of allowable threshold of APOR 4.00% + 1.5%, or 5.50000%. Compliant Higher Priced Mortgage Loan. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1177 | XX | XX | XX | 24326946 | 5254048-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1177 | XX | XX | XX | 24326947 | 5254048-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1177 | XX | XX | XX | 24326948 | 5254048-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1177 | XX | XX | XX | 24326949 | 5254048-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1458 | XX | XX | XX | 24326988 | 5254939-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1458 | XX | XX | XX | 24326989 | 5254939-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1611 | XX | XX | XX | 24326990 | 5255375-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1611 | XX | XX | XX | 24326991 | 5255375-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1611 | XX | XX | XX | 24326992 | 5255375-3070 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1593 | XX | XX | XX | 24327030 | 5254276-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | VA | Investment | Purchase | B | No | ||||||||||||
| 1182 | XX | XX | XX | 24327047 | 5255197-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1182 | XX | XX | XX | 24327048 | 5255197-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1182 | XX | XX | XX | 24327049 | 5255197-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1379 | XX | XX | XX | 24327063 | 5255013-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1379 | XX | XX | XX | 24327064 | 5255013-24490 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1379 | XX | XX | XX | 24327065 | 5255013-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1379 | XX | XX | XX | 24327066 | 5255013-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1379 | XX | XX | XX | 24327067 | 5255013-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1379 | XX | XX | XX | 24327069 | 5255013-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1567 | XX | XX | XX | 24327070 | 5254974-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1567 | XX | XX | XX | 24327071 | 5254974-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1567 | XX | XX | XX | 24327072 | 5254974-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1211 | XX | XX | XX | 24327086 | 5254699-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327089 | 5255396-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327091 | 5255396-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327092 | 5255396-5434 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327093 | 5255396-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327094 | 5255396-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327095 | 5255396-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327096 | 5255396-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327097 | 5255396-2687 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327098 | 5255396-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327099 | 5255396-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1300 | XX | XX | XX | 24327100 | 5255396-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1088 | XX | XX | XX | 24327103 | 5255012-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AR | Primary | Purchase | B | No | |||||||||||||
| 1088 | XX | XX | XX | 24327105 | 5255012-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AR | Primary | Purchase | B | No | |||||||||||||
| 1088 | XX | XX | XX | 24327106 | 5255012-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 1088 | XX | XX | XX | 24327107 | 5255012-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 1114 | XX | XX | XX | 24327111 | 5254662-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1248 | XX | XX | XX | 24327112 | 5255232-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1248 | XX | XX | XX | 24327113 | 5255232-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1248 | XX | XX | XX | 24327114 | 5255232-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1248 | XX | XX | XX | 24327115 | 5255232-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $488,965.09 is underdisclosed from calculated Finance Charge of $489,114.92 in the amount of $149.83. | TIL Itemization did not disclose correct Prepaid Interest. HUD states $191.80 and Itemization lists $47.95. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1288 | XX | XX | XX | 24327132 | 5255122-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1594 | XX | XX | XX | 24327133 | 5254494-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NH | Primary | Purchase | B | No | |||||||||||||
| 1594 | XX | XX | XX | 24327135 | 5254494-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1594 | XX | XX | XX | 24327136 | 5254494-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1688 | XX | XX | XX | 24327147 | 5253902-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1688 | XX | XX | XX | 24327148 | 5253902-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1688 | XX | XX | XX | 24327149 | 5253902-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1688 | XX | XX | XX | 24327150 | 5253902-6306 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1540 | XX | XX | XX | 24327161 | 5254654-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1540 | XX | XX | XX | 24327162 | 5254654-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1469 | XX | XX | XX | 24327170 | 5254563-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1469 | XX | XX | XX | 24327172 | 5254563-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1469 | XX | XX | XX | 24327175 | 5254563-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1469 | XX | XX | XX | 24327176 | 5254563-24490 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1469 | XX | XX | XX | 24327177 | 5254563-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1469 | XX | XX | XX | 24327178 | 5254563-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1469 | XX | XX | XX | 24327179 | 5254563-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1523 | XX | XX | XX | 24327180 | 5255441-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 1523 | XX | XX | XX | 24327181 | 5255441-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 1095 | XX | XX | XX | 24327187 | 5254123-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1085 | XX | XX | XX | 24327229 | 5255005-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Second Home | Purchase | B | No | |||||||||||||
| 1085 | XX | XX | XX | 24327230 | 5255005-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1085 | XX | XX | XX | 24327231 | 5255005-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1081 | XX | XX | XX | 24327232 | 5255442-611 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | AL | Primary | Purchase | B | No | |||||||||||||
| 1081 | XX | XX | XX | 24327233 | 5255442-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1081 | XX | XX | XX | 24327234 | 5255442-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $438,704.12 is underdisclosed from calculated Finance Charge of $438,951.54 in the amount of $247.42. | TIL itemization did not disclose an Attorneys fee of $212.50, a recording service fee of $25 and a service charge of $50 as prepaid finance charges. | 2 | B | XX | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1131 | XX | XX | XX | 24327236 | 5254631-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 1131 | XX | XX | XX | 24327237 | 5254631-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 1097 | XX | XX | XX | 24327238 | 5255276-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1345 | XX | XX | XX | 24327241 | 5253895-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1345 | XX | XX | XX | 24327242 | 5253895-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1240 | XX | XX | XX | 24327244 | 5255264-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1240 | XX | XX | XX | 24327245 | 5255264-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,241.70 is underdisclosed from calculated Finance Charge of $152,321.86 in the amount of $80.16. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1760 | XX | XX | XX | 24327255 | 5254919-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1792 | XX | XX | XX | 24327256 | 5254059-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 1792 | XX | XX | XX | 24327259 | 5254059-6578 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1792 | XX | XX | XX | 24327260 | 5254059-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1792 | XX | XX | XX | 24327261 | 5254059-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1560 | XX | XX | XX | 24327264 | 5255042-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1560 | XX | XX | XX | 24327265 | 5255042-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1560 | XX | XX | XX | 24327266 | 5255042-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1797 | XX | XX | XX | 24327278 | 5254941-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1797 | XX | XX | XX | 24327279 | 5254941-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1797 | XX | XX | XX | 24327281 | 5254941-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1600 | XX | XX | XX | 24327282 | 5254128-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1600 | XX | XX | XX | 24327283 | 5254128-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1600 | XX | XX | XX | 24327284 | 5254128-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1600 | XX | XX | XX | 24327285 | 5254128-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | KS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1600 | XX | XX | XX | 24327286 | 5254128-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1604 | XX | XX | XX | 24327289 | 5254134-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1604 | XX | XX | XX | 24327290 | 5254134-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1604 | XX | XX | XX | 24327291 | 5254134-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1732 | XX | XX | XX | 24327321 | 5254973-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Purchase | B | No | |||||||||||||
| 1732 | XX | XX | XX | 24327322 | 5254973-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1732 | XX | XX | XX | 24327323 | 5254973-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1732 | XX | XX | XX | 24327324 | 5254973-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1315 | XX | XX | XX | 24327333 | 5254409-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1764 | XX | XX | XX | 24327334 | 5255192-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1336 | XX | XX | XX | 24327344 | 5254945-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1711 | XX | XX | XX | 24327348 | 5254006-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1711 | XX | XX | XX | 24327349 | 5254006-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1711 | XX | XX | XX | 24327351 | 5254006-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1711 | XX | XX | XX | 24327352 | 5254006-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $250,381.01 is underdisclosed from calculated Finance Charge of $250,512.75 in the amount of $131.74. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1647 | XX | XX | XX | 24327353 | 5255021-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 1647 | XX | XX | XX | 24327354 | 5255021-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1647 | XX | XX | XX | 24327355 | 5255021-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1576 | XX | XX | XX | 24327356 | 5255171-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1863 | XX | XX | XX | 24327370 | 5254899-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1863 | XX | XX | XX | 24327373 | 5254899-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1863 | XX | XX | XX | 24327374 | 5254899-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1863 | XX | XX | XX | 24327375 | 5254899-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1863 | XX | XX | XX | 24327376 | 5254899-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1863 | XX | XX | XX | 24327377 | 5254899-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1863 | XX | XX | XX | 24327378 | 5254899-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1384 | XX | XX | XX | 24327387 | 5254775-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1384 | XX | XX | XX | 24327388 | 5254775-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1384 | XX | XX | XX | 24327389 | 5254775-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1384 | XX | XX | XX | 24327391 | 5254775-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1734 | XX | XX | XX | 24327405 | 5254890-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1734 | XX | XX | XX | 24327406 | 5254890-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1734 | XX | XX | XX | 24327407 | 5254890-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1734 | XX | XX | XX | 24327408 | 5254890-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1734 | XX | XX | XX | 24327409 | 5254890-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1424 | XX | XX | XX | 24327417 | 5255161-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1339 | XX | XX | XX | 24327418 | 5254717-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1553 | XX | XX | XX | 24327421 | 5255170-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1677 | XX | XX | XX | 24327463 | 5254622-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1884 | XX | XX | XX | 24327450 | 5255420-611 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1884 | XX | XX | XX | 24327451 | 5255420-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1884 | XX | XX | XX | 24327452 | 5255420-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1884 | XX | XX | XX | 24327453 | 5255420-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $192,705.73 is underdisclosed from calculated Finance Charge of $193,035.74 in the amount of $330.01. | TIL itemization did not disclose an application fee of $275 or a courier fee of $55 as prepaid finance charges. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1634 | XX | XX | XX | 24327455 | 5254617-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Second Home | UTD - UTD | D | No | |||||||||||||
| 1634 | XX | XX | XX | 24327457 | 5254617-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Second Home | UTD - UTD | D | No | |||||||||||||
| 1634 | XX | XX | XX | 24327458 | 5254617-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | TX | Second Home | UTD - UTD | D | No | ||||||||||||
| 1634 | XX | XX | XX | 24327459 | 5254617-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Second Home | UTD - UTD | D | No | ||||||||||||
| 1634 | XX | XX | XX | 24327460 | 5254617-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Second Home | UTD - UTD | D | No | ||||||||||||
| 1634 | XX | XX | XX | 24327461 | 5254617-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Second Home | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327474 | 5254532-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 1167 | XX | XX | XX | 24327475 | 5254532-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 1167 | XX | XX | XX | 24327476 | 5254532-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 1167 | XX | XX | XX | 24327478 | 5254532-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327479 | 5254532-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327480 | 5254532-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327481 | 5254532-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327482 | 5254532-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327483 | 5254532-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327484 | 5254532-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327485 | 5254532-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 1167 | XX | XX | XX | 24327486 | 5254532-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | UTD | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 1167 | XX | XX | XX | 24327487 | 5254532-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | UTD | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 1167 | XX | XX | XX | 24327488 | 5254532-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1202 | XX | XX | XX | 24327498 | 5255439-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | |||||||||||||
| 1202 | XX | XX | XX | 24327501 | 5255439-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | |||||||||||||
| 1202 | XX | XX | XX | 24327502 | 5255439-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1202 | XX | XX | XX | 24327503 | 5255439-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1202 | XX | XX | XX | 24327504 | 5255439-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1202 | XX | XX | XX | 24327505 | 5255439-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1202 | XX | XX | XX | 24327506 | 5255439-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | KS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1202 | XX | XX | XX | 24327507 | 5255439-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1202 | XX | XX | XX | 24327508 | 5255439-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 1171 | XX | XX | XX | 24327529 | 5254523-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1171 | XX | XX | XX | 24327530 | 5254523-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1570 | XX | XX | XX | 24327534 | 5254794-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1570 | XX | XX | XX | 24327535 | 5254794-2691 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1570 | XX | XX | XX | 24327536 | 5254794-2705 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1570 | XX | XX | XX | 24327537 | 5254794-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1703 | XX | XX | XX | 24327556 | 5254598-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 1703 | XX | XX | XX | 24327558 | 5254598-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1703 | XX | XX | XX | 24327559 | 5254598-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1703 | XX | XX | XX | 24327560 | 5254598-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1703 | XX | XX | XX | 24327561 | 5254598-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1703 | XX | XX | XX | 24327562 | 5254598-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1703 | XX | XX | XX | 24327563 | 5254598-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1507 | XX | XX | XX | 24327566 | 5255335-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1507 | XX | XX | XX | 24327567 | 5255335-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1507 | XX | XX | XX | 24327568 | 5255335-20804 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1101 | XX | XX | XX | 24327578 | 5255080-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1101 | XX | XX | XX | 24327579 | 5255080-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1101 | XX | XX | XX | 24327580 | 5255080-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1159 | XX | XX | XX | 24327616 | 5255165-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1159 | XX | XX | XX | 24327617 | 5255165-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1159 | XX | XX | XX | 24327618 | 5255165-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1159 | XX | XX | XX | 24327619 | 5255165-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1273 | XX | XX | XX | 24327631 | 5254747-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1273 | XX | XX | XX | 24327632 | 5254747-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $204,145.12 is underdisclosed from calculated Finance Charge of $204,470.89 in the amount of $325.77. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1465 | XX | XX | XX | 24327629 | 5254515-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1776 | XX | XX | XX | 24327672 | 5254473-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | UT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1776 | XX | XX | XX | 24327673 | 5254473-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | UT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1776 | XX | XX | XX | 24327674 | 5254473-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $312,134.53 is underdisclosed from calculated Finance Charge of $312,224.36 in the amount of $89.83. | The itemization of amount financed did not include the closing fee of $75 and courier fee of $15 as prepaid finance charges. | 2 | B | XX | UT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1370 | XX | XX | XX | 24327679 | 5255339-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1370 | XX | XX | XX | 24327680 | 5255339-2666 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1370 | XX | XX | XX | 24327682 | 5255339-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,957.81 is underdisclosed from calculated Finance Charge of $153,248.98 in the amount of $291.17. | TIL itemization did not disclose an Underwriting fee of $595 as prepaid finance charge. TIL Itemization did disclose a Document Preparation fee of $340.80 and the Final HUD did not. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1573 | XX | XX | XX | 24327678 | 5254777-7042 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1532 | XX | XX | XX | 24327693 | 5254046-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1395 | XX | XX | XX | 24327700 | 5255205-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1395 | XX | XX | XX | 24327701 | 5255205-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1428 | XX | XX | XX | 24327705 | 5254389-4087 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1428 | XX | XX | XX | 24327706 | 5254389-25677 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1727 | XX | XX | XX | 24327728 | 5254027-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,954.05 is underdisclosed from calculated Finance Charge of $104,271.27 in the amount of $317.22. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1106 | XX | XX | XX | 24327729 | 5254620-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1106 | XX | XX | XX | 24327730 | 5254620-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1537 | XX | XX | XX | 24327735 | 5254459-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1676 | XX | XX | XX | 24327763 | 5254793-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1676 | XX | XX | XX | 24327764 | 5254793-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1342 | XX | XX | XX | 24327774 | 5254509-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1342 | XX | XX | XX | 24327775 | 5254509-6419 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 3.87300% is underdisclosed from calculated APR of 4.24521% outside of 0.250% tolerance. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 1342 | XX | XX | XX | 24327776 | 5254509-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $70,676.93 is underdisclosed from calculated Finance Charge of $79,314.65 in the amount of $8,637.72. | Rate lock agreement indicates the Index used was 1.369%. The closest Index available in our look-back period is 1.8138%. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1447 | XX | XX | XX | 24327777 | 5255149-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1447 | XX | XX | XX | 24327778 | 5255149-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327809 | 5254180-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1657 | XX | XX | XX | 24327811 | 5254180-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1657 | XX | XX | XX | 24327812 | 5254180-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327813 | 5254180-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327814 | 5254180-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327815 | 5254180-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327816 | 5254180-2794 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327817 | 5254180-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327818 | 5254180-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327819 | 5254180-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327820 | 5254180-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1657 | XX | XX | XX | 24327821 | 5254180-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1657 | XX | XX | XX | 24327822 | 5254180-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1308 | XX | XX | XX | 24327832 | 5255377-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1308 | XX | XX | XX | 24327833 | 5255377-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1308 | XX | XX | XX | 24327834 | 5255377-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $130,040.47 is underdisclosed from calculated Finance Charge of $130,662.07 in the amount of $621.60. | TIL Itemization only disclosed origination charges in the amount of $1115.64 and final HUD reflects $1737.40 | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1308 | XX | XX | XX | 24327835 | 5255377-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1704 | XX | XX | XX | 24327840 | 5255346-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 1704 | XX | XX | XX | 24327841 | 5255346-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 1704 | XX | XX | XX | 24327843 | 5255346-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1704 | XX | XX | XX | 24327844 | 5255346-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1704 | XX | XX | XX | 24327845 | 5255346-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1704 | XX | XX | XX | 24327846 | 5255346-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1704 | XX | XX | XX | 24327847 | 5255346-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1704 | XX | XX | XX | 24327848 | 5255346-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1704 | XX | XX | XX | 24327849 | 5255346-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 1340 | XX | XX | XX | 24327855 | 5254474-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1089 | XX | XX | XX | 24327859 | 5254778-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1546 | XX | XX | XX | 24327872 | 5254969-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1546 | XX | XX | XX | 24327873 | 5254969-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1546 | XX | XX | XX | 24327874 | 5254969-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $198,665.53 is underdisclosed from calculated Finance Charge of $199,273.49 in the amount of $607.96. | TIL Itemization did not disclose $525.00 Attorney Fee, $38.00 Courier Fee, $15.00 Wire Fee & $30.00 NOS Fee as prepaid Finance Charges. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1082 | XX | XX | XX | 24327878 | 5254754-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1082 | XX | XX | XX | 24327879 | 5254754-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1082 | XX | XX | XX | 24327880 | 5254754-22137 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1524 | XX | XX | XX | 24327881 | 5254169-5434 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | DC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1524 | XX | XX | XX | 24327882 | 5254169-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | DC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1580 | XX | XX | XX | 24327900 | 5254948-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 1580 | XX | XX | XX | 24327901 | 5254948-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 1735 | XX | XX | XX | 24327903 | 5254135-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1735 | XX | XX | XX | 24327904 | 5254135-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1148 | XX | XX | XX | 24327937 | 5254554-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | |||||||||||||
| 1148 | XX | XX | XX | 24327940 | 5254554-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327941 | 5254554-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327942 | 5254554-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327943 | 5254554-3434 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100% | Unable to determine LTV/CLTV due to missing information. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327944 | 5254554-29403 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327945 | 5254554-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | WV | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1148 | XX | XX | XX | 24327946 | 5254554-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | WV | Primary | UTD - UTD | D | No | ||||||||||||
| 1148 | XX | XX | XX | 24327947 | 5254554-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WV | Primary | UTD - UTD | D | No | |||||||||||||
| 1759 | XX | XX | XX | 24327951 | 5254680-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1759 | XX | XX | XX | 24327952 | 5254680-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1386 | XX | XX | XX | 24327935 | 5255178-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1773 | XX | XX | XX | 24327971 | 5254891-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1773 | XX | XX | XX | 24327972 | 5254891-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1773 | XX | XX | XX | 24327973 | 5254891-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1773 | XX | XX | XX | 24327974 | 5254891-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1773 | XX | XX | XX | 24327975 | 5254891-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1773 | XX | XX | XX | 24327977 | 5254891-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1607 | XX | XX | XX | 24327984 | 5254628-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1607 | XX | XX | XX | 24327985 | 5254628-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1607 | XX | XX | XX | 24327986 | 5254628-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $294,522.70 is underdisclosed from calculated Finance Charge of $294,558.84 in the amount of $36.14. | TIL Itemization does not reflect verification fee of $16 and reflects courier fee of $50 and audit reflects courier fee of $25.00 as prepaid finance charges. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1508 | XX | XX | XX | 24328007 | 5254732-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1508 | XX | XX | XX | 24328008 | 5254732-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1508 | XX | XX | XX | 24328009 | 5254732-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $118,581.96 is underdisclosed from calculated Finance Charge of $118,666.77 in the amount of $84.81. | TIL itemization did not disclose a courier fee of $55 or a warehousing fee of $30 as prepaid finance charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1376 | XX | XX | XX | 24328018 | 5255103-2778 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1376 | XX | XX | XX | 24328019 | 5255103-26133 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1640 | XX | XX | XX | 24328011 | 5255169-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1640 | XX | XX | XX | 24328014 | 5255169-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1640 | XX | XX | XX | 24328015 | 5255169-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1640 | XX | XX | XX | 24328016 | 5255169-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1640 | XX | XX | XX | 24328017 | 5255169-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1592 | XX | XX | XX | 24328033 | 5254670-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1722 | XX | XX | XX | 24328045 | 5253846-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1722 | XX | XX | XX | 24328048 | 5253846-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1722 | XX | XX | XX | 24328049 | 5253846-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1722 | XX | XX | XX | 24328050 | 5253846-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1722 | XX | XX | XX | 24328051 | 5253846-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1360 | XX | XX | XX | 24328070 | 5255081-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1813 | XX | XX | XX | 24328083 | 5255314-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1813 | XX | XX | XX | 24328084 | 5255314-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1813 | XX | XX | XX | 24328085 | 5255314-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1234 | XX | XX | XX | 24328096 | 5254507-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1234 | XX | XX | XX | 24328097 | 5254507-24490 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1234 | XX | XX | XX | 24328098 | 5254507-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1234 | XX | XX | XX | 24328099 | 5254507-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1234 | XX | XX | XX | 24328100 | 5254507-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1234 | XX | XX | XX | 24328101 | 5254507-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1119 | XX | XX | XX | 24328128 | 5254768-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1119 | XX | XX | XX | 24328129 | 5254768-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1119 | XX | XX | XX | 24328130 | 5254768-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1119 | XX | XX | XX | 24328131 | 5254768-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1522 | XX | XX | XX | 24328146 | 5255113-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1522 | XX | XX | XX | 24328147 | 5255113-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1522 | XX | XX | XX | 24328148 | 5255113-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1522 | XX | XX | XX | 24328149 | 5255113-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1132 | XX | XX | XX | 24328158 | 5255235-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1132 | XX | XX | XX | 24328159 | 5255235-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1132 | XX | XX | XX | 24328160 | 5255235-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1132 | XX | XX | XX | 24328161 | 5255235-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1552 | XX | XX | XX | 24328163 | 5255332-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1552 | XX | XX | XX | 24328164 | 5255332-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1552 | XX | XX | XX | 24328165 | 5255332-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1156 | XX | XX | XX | 24328191 | 5254495-28240 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1156 | XX | XX | XX | 24328192 | 5254495-2659 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $256,704.40 is underdisclosed from calculated Finance Charge of $256,777.09 in the amount of $72.69. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1432 | XX | XX | XX | 24328195 | 5254449-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1432 | XX | XX | XX | 24328196 | 5254449-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1411 | XX | XX | XX | 24328203 | 5254574-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1411 | XX | XX | XX | 24328204 | 5254574-24490 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1411 | XX | XX | XX | 24328205 | 5254574-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1411 | XX | XX | XX | 24328206 | 5254574-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1157 | XX | XX | XX | 24328216 | 5255466-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1184 | XX | XX | XX | 24328223 | 5254735-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328224 | 5254334-770 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1484 | XX | XX | XX | 24328225 | 5254334-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328226 | 5254334-5428 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1484 | XX | XX | XX | 24328227 | 5254334-5430 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1484 | XX | XX | XX | 24328228 | 5254334-5432 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1484 | XX | XX | XX | 24328229 | 5254334-2692 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328230 | 5254334-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328231 | 5254334-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328232 | 5254334-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328233 | 5254334-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328234 | 5254334-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1484 | XX | XX | XX | 24328235 | 5254334-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1586 | XX | XX | XX | 24328238 | 5254873-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1586 | XX | XX | XX | 24328239 | 5254873-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1586 | XX | XX | XX | 24328240 | 5254873-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1586 | XX | XX | XX | 24328241 | 5254873-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1586 | XX | XX | XX | 24328242 | 5254873-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1586 | XX | XX | XX | 24328243 | 5254873-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1586 | XX | XX | XX | 24328246 | 5254873-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AK | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1062 | XX | XX | XX | 24328249 | 5254528-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1062 | XX | XX | XX | 24328250 | 5254528-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $264,618.28 is underdisclosed from calculated Finance Charge of $264,777.52 in the amount of $159.24. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1400 | XX | XX | XX | 24328255 | 5254083-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1400 | XX | XX | XX | 24328256 | 5254083-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1400 | XX | XX | XX | 24328257 | 5254083-3928 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1400 | XX | XX | XX | 24328258 | 5254083-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1400 | XX | XX | XX | 24328259 | 5254083-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1268 | XX | XX | XX | 24328268 | 5254994-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $221,034.14 is underdisclosed from calculated Finance Charge of $221,091.36 in the amount of $57.22. | TIL itemization did not disclose a closing protection letter fee of $35 or a courier fee of $30 as prepaid finance charges. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1122 | XX | XX | XX | 24328275 | 5253848-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Purchase | D | No | |||||||||||||
| 1122 | XX | XX | XX | 24328278 | 5253848-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Purchase | D | No | ||||||||||||
| 1122 | XX | XX | XX | 24328279 | 5253848-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Purchase | D | No | ||||||||||||
| 1122 | XX | XX | XX | 24328280 | 5253848-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Purchase | D | No | ||||||||||||
| 1122 | XX | XX | XX | 24328281 | 5253848-5334 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | VA | Primary | Purchase | D | No | ||||||||||||
| 1122 | XX | XX | XX | 24328282 | 5253848-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Purchase | D | No | ||||||||||||
| 1214 | XX | XX | XX | 24328283 | 5255345-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1559 | XX | XX | XX | 24328287 | 5254447-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1559 | XX | XX | XX | 24328288 | 5254447-5010 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1559 | XX | XX | XX | 24328289 | 5254447-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1063 | XX | XX | XX | 24328290 | 5254575-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1065 | XX | XX | XX | 24328318 | 5254614-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1065 | XX | XX | XX | 24328319 | 5254614-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1065 | XX | XX | XX | 24328320 | 5254614-2211 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1065 | XX | XX | XX | 24328321 | 5254614-2212 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1065 | XX | XX | XX | 24328322 | 5254614-2214 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1423 | XX | XX | XX | 24328316 | 5254596-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1564 | XX | XX | XX | 24328327 | 5255460-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1564 | XX | XX | XX | 24328330 | 5255460-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1564 | XX | XX | XX | 24328331 | 5255460-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1564 | XX | XX | XX | 24328332 | 5255460-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1595 | XX | XX | XX | 24328345 | 5254256-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | |||||||||||||
| 1595 | XX | XX | XX | 24328347 | 5254256-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | UTD - UTD | D | No | |||||||||||||
| 1595 | XX | XX | XX | 24328348 | 5254256-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328349 | 5254256-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328350 | 5254256-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328351 | 5254256-1973 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328352 | 5254256-1976 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328353 | 5254256-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328354 | 5254256-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1595 | XX | XX | XX | 24328355 | 5254256-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1595 | XX | XX | XX | 24328356 | 5254256-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MI | Primary | UTD - UTD | D | No | ||||||||||||
| 1550 | XX | XX | XX | 24328367 | 5255426-6302 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1610 | XX | XX | XX | 24328359 | 5254187-2694 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1610 | XX | XX | XX | 24328360 | 5254187-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1610 | XX | XX | XX | 24328361 | 5254187-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1610 | XX | XX | XX | 24328362 | 5254187-7039 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1452 | XX | XX | XX | 24328363 | 5254921-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1452 | XX | XX | XX | 24328364 | 5254921-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1394 | XX | XX | XX | 24328357 | 5254548-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1394 | XX | XX | XX | 24328358 | 5254548-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1449 | XX | XX | XX | 24328393 | 5254900-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1333 | XX | XX | XX | 24328376 | 5254122-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1333 | XX | XX | XX | 24328377 | 5254122-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1554 | XX | XX | XX | 24328392 | 5255105-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1408 | XX | XX | XX | 24328406 | 5254228-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1408 | XX | XX | XX | 24328407 | 5254228-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 1144 | XX | XX | XX | 24328408 | 5255055-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1144 | XX | XX | XX | 24328409 | 5255055-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1144 | XX | XX | XX | 24328410 | 5255055-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1144 | XX | XX | XX | 24328411 | 5255055-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1144 | XX | XX | XX | 24328412 | 5255055-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1144 | XX | XX | XX | 24328413 | 5255055-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1324 | XX | XX | XX | 24328423 | 5255325-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1094 | XX | XX | XX | 24328455 | 5255261-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1094 | XX | XX | XX | 24328456 | 5255261-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1094 | XX | XX | XX | 24328457 | 5255261-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1094 | XX | XX | XX | 24328458 | 5255261-1974 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1094 | XX | XX | XX | 24328459 | 5255261-1977 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1094 | XX | XX | XX | 24328460 | 5255261-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1378 | XX | XX | XX | 24328462 | 5255424-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1378 | XX | XX | XX | 24328463 | 5255424-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1123 | XX | XX | XX | 24328487 | 5255022-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1123 | XX | XX | XX | 24328488 | 5255022-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1835 | XX | XX | XX | 24328489 | 5254152-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1835 | XX | XX | XX | 24328490 | 5254152-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $60,709.28 is underdisclosed from calculated Finance Charge of $60,934.20 in the amount of $224.92. | TIL itemization did not disclose an application fee of $150 or a closing protection letter fee of $75 as prepaid finance charge. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1227 | XX | XX | XX | 24328481 | 5254836-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1227 | XX | XX | XX | 24328482 | 5254836-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1227 | XX | XX | XX | 24328484 | 5254836-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1227 | XX | XX | XX | 24328485 | 5254836-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1227 | XX | XX | XX | 24328486 | 5254836-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1558 | XX | XX | XX | 24328494 | 5255085-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1402 | XX | XX | XX | 24328499 | 5255510-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1402 | XX | XX | XX | 24328501 | 5255510-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1402 | XX | XX | XX | 24328502 | 5255510-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | |||||||||||||
| 1402 | XX | XX | XX | 24328503 | 5255510-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1402 | XX | XX | XX | 24328504 | 5255510-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1402 | XX | XX | XX | 24328505 | 5255510-5681 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | B | No | ||||||||||||
| 1402 | XX | XX | XX | 24328506 | 5255510-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1491 | XX | XX | XX | 24328536 | 5255393-5428 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1491 | XX | XX | XX | 24328537 | 5255393-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1491 | XX | XX | XX | 24328538 | 5255393-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1770 | XX | XX | XX | 24328556 | 5255231-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1690 | XX | XX | XX | 24328573 | 5253973-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1690 | XX | XX | XX | 24328574 | 5253973-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $64,407.85 is underdisclosed from calculated Finance Charge of $64,782.99 in the amount of $375.14. | Unable to determine the under disclosure due to missing the itemization of amount financed. | 2 | B | XX | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1690 | XX | XX | XX | 24328575 | 5253973-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Purchase | B | No | |||||||||||||
| 1263 | XX | XX | XX | 24328583 | 5255347-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1263 | XX | XX | XX | 24328584 | 5255347-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1603 | XX | XX | XX | 24328620 | 5253994-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1603 | XX | XX | XX | 24328621 | 5253994-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1368 | XX | XX | XX | 24328622 | 5254993-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1368 | XX | XX | XX | 24328623 | 5254993-1973 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1368 | XX | XX | XX | 24328624 | 5254993-1976 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1368 | XX | XX | XX | 24328625 | 5254993-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1368 | XX | XX | XX | 24328626 | 5254993-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1433 | XX | XX | XX | 24328654 | 5254690-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 1433 | XX | XX | XX | 24328655 | 5254690-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 1433 | XX | XX | XX | 24328656 | 5254690-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 1433 | XX | XX | XX | 24328657 | 5254690-25687 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1433 | XX | XX | XX | 24328658 | 5254690-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1433 | XX | XX | XX | 24328659 | 5254690-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1433 | XX | XX | XX | 24328660 | 5254690-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. | 2 | B | XX | CA | Primary | Purchase | D | No | |||||||||||
| 1433 | XX | XX | XX | 24328661 | 5254690-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 1351 | XX | XX | XX | 24328697 | 5254203-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1351 | XX | XX | XX | 24328698 | 5254203-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1351 | XX | XX | XX | 24328699 | 5254203-5438 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1351 | XX | XX | XX | 24328700 | 5254203-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1351 | XX | XX | XX | 24328701 | 5254203-2773 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1351 | XX | XX | XX | 24328702 | 5254203-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1128 | XX | XX | XX | 24328704 | 5254657-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1128 | XX | XX | XX | 24328705 | 5254657-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1128 | XX | XX | XX | 24328706 | 5254657-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1128 | XX | XX | XX | 24328707 | 5254657-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1446 | XX | XX | XX | 24328709 | 5254599-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1446 | XX | XX | XX | 24328710 | 5254599-7042 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1724 | XX | XX | XX | 24328730 | 5254241-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1724 | XX | XX | XX | 24328731 | 5254241-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1724 | XX | XX | XX | 24328732 | 5254241-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $331,184.66 is underdisclosed from calculated Finance Charge of $331,686.85 in the amount of $502.19. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1661 | XX | XX | XX | 24328746 | 5255035-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1661 | XX | XX | XX | 24328747 | 5255035-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1661 | XX | XX | XX | 24328748 | 5255035-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1137 | XX | XX | XX | 24328755 | 5254024-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1137 | XX | XX | XX | 24328756 | 5254024-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1275 | XX | XX | XX | 24328758 | 5254697-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1275 | XX | XX | XX | 24328759 | 5254697-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1275 | XX | XX | XX | 24328760 | 5254697-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1275 | XX | XX | XX | 24328761 | 5254697-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1817 | XX | XX | XX | 24328774 | 5254679-5445 | 08/12/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1817 | XX | XX | XX | 24328775 | 5254679-4087 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1249 | XX | XX | XX | 24328771 | 5254595-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1249 | XX | XX | XX | 24328772 | 5254595-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1249 | XX | XX | XX | 24328773 | 5254595-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $95,463.87 is underdisclosed from calculated Finance Charge of $96,493.25 in the amount of $1,029.38. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a Seller credit on page one of HUD for $3950 which is not itemized therefore excluded. | 2 | B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1579 | XX | XX | XX | 24328815 | 5255040-1891 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1293 | XX | XX | XX | 24328833 | 5255480-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1293 | XX | XX | XX | 24328834 | 5255480-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1243 | XX | XX | XX | 24328866 | 5255065-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1243 | XX | XX | XX | 24328867 | 5255065-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1243 | XX | XX | XX | 24328868 | 5255065-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | RI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1243 | XX | XX | XX | 24328869 | 5255065-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | RI | Primary | Purchase | B | No | |||||||||||
| 1243 | XX | XX | XX | 24328870 | 5255065-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | RI | Primary | Purchase | B | No | |||||||||||||
| 1179 | XX | XX | XX | 24328871 | 5254643-3934 | 08/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1179 | XX | XX | XX | 24328872 | 5254643-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1179 | XX | XX | XX | 24328873 | 5254643-2210 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1179 | XX | XX | XX | 24328874 | 5254643-2214 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1179 | XX | XX | XX | 24328875 | 5254643-5660 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1466 | XX | XX | XX | 24328909 | 5254454-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | NY | UTD | Purchase | D | No | ||||||||||||
| 1466 | XX | XX | XX | 24328910 | 5254454-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | UTD | Purchase | D | No | ||||||||||||
| 1466 | XX | XX | XX | 24328911 | 5254454-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | UTD | Purchase | D | No | ||||||||||||
| 1466 | XX | XX | XX | 24328912 | 5254454-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | UTD | Purchase | D | No | ||||||||||||
| 1466 | XX | XX | XX | 24328913 | 5254454-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | UTD | Purchase | D | No | |||||||||||||
| 1466 | XX | XX | XX | 24328916 | 5254454-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | UTD | Purchase | D | No | |||||||||||||
| 1466 | XX | XX | XX | 24328917 | 5254454-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NY | UTD | Purchase | D | No | |||||||||||||
| 1466 | XX | XX | XX | 24328918 | 5254454-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | UTD | Purchase | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328921 | 5255476-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | |||||||||||||
| 1393 | XX | XX | XX | 24328923 | 5255476-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328924 | 5255476-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328925 | 5255476-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | |||||||||||||
| 1393 | XX | XX | XX | 24328926 | 5255476-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328927 | 5255476-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328928 | 5255476-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 1393 | XX | XX | XX | 24328929 | 5255476-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1500 | XX | XX | XX | 24328934 | 5254724-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1500 | XX | XX | XX | 24328935 | 5254724-2666 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2001, prior to three (3) business days from transaction date of 08/XX/2001. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1700 | XX | XX | XX | 24328942 | 5254073-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CO | Primary | Purchase | B | No | ||||||||||||
| 1218 | XX | XX | XX | 24328999 | 5254506-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 1218 | XX | XX | XX | 24329001 | 5254506-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 1218 | XX | XX | XX | 24329002 | 5254506-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1218 | XX | XX | XX | 24329003 | 5254506-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1218 | XX | XX | XX | 24329004 | 5254506-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1218 | XX | XX | XX | 24329005 | 5254506-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329008 | 5254321-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | |||||||||||||
| 1568 | XX | XX | XX | 24329011 | 5254321-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | UTD - UTD | D | No | |||||||||||||
| 1568 | XX | XX | XX | 24329012 | 5254321-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329013 | 5254321-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2012 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329014 | 5254321-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329015 | 5254321-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329016 | 5254321-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329017 | 5254321-5334 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329018 | 5254321-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329019 | 5254321-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329020 | 5254321-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329021 | 5254321-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1568 | XX | XX | XX | 24329022 | 5254321-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1568 | XX | XX | XX | 24329023 | 5254321-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | UTD - UTD | D | No | ||||||||||||
| 1267 | XX | XX | XX | 24329024 | 5254578-4087 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1201 | XX | XX | XX | 24329026 | 5254956-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1139 | XX | XX | XX | 24329030 | 5254477-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1139 | XX | XX | XX | 24329032 | 5254477-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1139 | XX | XX | XX | 24329033 | 5254477-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1139 | XX | XX | XX | 24329034 | 5254477-24490 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1139 | XX | XX | XX | 24329035 | 5254477-25686 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1139 | XX | XX | XX | 24329036 | 5254477-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1139 | XX | XX | XX | 24329037 | 5254477-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1139 | XX | XX | XX | 24329038 | 5254477-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1668 | XX | XX | XX | 24329040 | 5254853-2658 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 9.55300% is underdisclosed from calculated APR of 9.99744% outside of 0.125% tolerance. | 2 | B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 1668 | XX | XX | XX | 24329041 | 5254853-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $111,608.96 is underdisclosed from calculated Finance Charge of $113,124.40 in the amount of $1,515.44. | The Lender's TIL reflects MI dropping off after 117 months, however, the audited TIL indicates MI should drop off after 170 months. | 2 | B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1777 | XX | XX | XX | 24329061 | 5253232-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | |||||||||||||
| 1777 | XX | XX | XX | 24329063 | 5253232-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OK | UTD | UTD - UTD | D | No | |||||||||||||
| 1777 | XX | XX | XX | 24329064 | 5253232-18330 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | |||||||||||||
| 1777 | XX | XX | XX | 24329065 | 5253232-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | ||||||||||||
| 1777 | XX | XX | XX | 24329066 | 5253232-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OK | UTD | UTD - UTD | D | No | ||||||||||||
| 1777 | XX | XX | XX | 24329067 | 5253232-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | ||||||||||||
| 1777 | XX | XX | XX | 24329068 | 5253232-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | ||||||||||||
| 1777 | XX | XX | XX | 24329069 | 5253232-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OK | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1777 | XX | XX | XX | 24329070 | 5253232-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OK | UTD | UTD - UTD | D | No | ||||||||||||
| 1840 | XX | XX | XX | 24329082 | 5253236-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1840 | XX | XX | XX | 24329083 | 5253236-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1840 | XX | XX | XX | 24329084 | 5253236-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1840 | XX | XX | XX | 24329086 | 5253236-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1873 | XX | XX | XX | 24329105 | 5253234-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1436 | XX | XX | XX | 24329107 | 5253239-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Purchase | B | No | |||||||||||||
| 1436 | XX | XX | XX | 24329108 | 5253239-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1850 | XX | XX | XX | 24329139 | 5253247-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1850 | XX | XX | XX | 24329140 | 5253247-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1850 | XX | XX | XX | 24329141 | 5253247-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1850 | XX | XX | XX | 24329142 | 5253247-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1431 | XX | XX | XX | 24329166 | 5253589-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1723 | XX | XX | XX | 24329172 | 5253582-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1723 | XX | XX | XX | 24329173 | 5253582-22050 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1849 | XX | XX | XX | 24329175 | 5253591-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $162,967.33 is underdisclosed from calculated Finance Charge of $163,024.11 in the amount of $56.78. | TIL itemization did not disclose a flood cert fee of $20 or a wire fee of $25 as prepaid finance charges. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1849 | XX | XX | XX | 24329176 | 5253591-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1849 | XX | XX | XX | 24329177 | 5253591-5010 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1705 | XX | XX | XX | 24329185 | 5253244-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1705 | XX | XX | XX | 24329186 | 5253244-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1705 | XX | XX | XX | 24329187 | 5253244-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1705 | XX | XX | XX | 24329188 | 5253244-5705 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | 3 | C | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1705 | XX | XX | XX | 24329189 | 5253244-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $166,807.63 is underdisclosed from calculated Finance Charge of $166,867.50 in the amount of $59.87. | TIL Itemization did not disclose wire fees $20, ,email fees $30, as prepaid charges, however, final HUD reflects such | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | C | No | ||||||||||
| 1534 | XX | XX | XX | 24329231 | 5253260-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1534 | XX | XX | XX | 24329232 | 5253260-5705 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | 3 | C | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1740 | XX | XX | XX | 24329251 | 5253599-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Investment | Purchase | B | No | ||||||||||||
| 1740 | XX | XX | XX | 24329252 | 5253599-28247 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 2 | B | XX | MI | Investment | Purchase | B | No | ||||||||||||
| 1517 | XX | XX | XX | 24329282 | 5253618-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1517 | XX | XX | XX | 24329283 | 5253618-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1831 | XX | XX | XX | 24329288 | 5253617-24490 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1609 | XX | XX | XX | 24329299 | 5253220-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1609 | XX | XX | XX | 24329300 | 5253220-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 1747 | XX | XX | XX | 24329308 | 5253279-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1124 | XX | XX | XX | 24329310 | 5253624-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1883 | XX | XX | XX | 24329313 | 5253629-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1883 | XX | XX | XX | 24329315 | 5253629-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1883 | XX | XX | XX | 24329316 | 5253629-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1883 | XX | XX | XX | 24329317 | 5253629-1891 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1883 | XX | XX | XX | 24329318 | 5253629-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1883 | XX | XX | XX | 24329319 | 5253629-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1309 | XX | XX | XX | 24329328 | 5253179-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1309 | XX | XX | XX | 24329329 | 5253179-23495 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1749 | XX | XX | XX | 24329330 | 5253634-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $107,053.38 is underdisclosed from calculated Finance Charge of $107,163.47 in the amount of $110.09. | Itemization did not disclose the courier fee of$22.22 and wire fee of $30 as prepaid finance charges. Remaining difference is due to PMI payments | 2 | B | XX | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 1749 | XX | XX | XX | 24329331 | 5253634-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | WA | Primary | Purchase | D | No | ||||||||||||
| 1487 | XX | XX | XX | 24329345 | 5253293-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 1397 | XX | XX | XX | 24329353 | 5253177-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1397 | XX | XX | XX | 24329354 | 5253177-25823 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1397 | XX | XX | XX | 24329355 | 5253177-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1397 | XX | XX | XX | 24329356 | 5253177-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1763 | XX | XX | XX | 24329381 | 5253207-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1763 | XX | XX | XX | 24329382 | 5253207-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1317 | XX | XX | XX | 24329384 | 5253221-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1129 | XX | XX | XX | 24329385 | 5253553-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 1349 | XX | XX | XX | 24329390 | 5253651-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1358 | XX | XX | XX | 24329399 | 5253646-1891 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1358 | XX | XX | XX | 24329400 | 5253646-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1708 | XX | XX | XX | 24329416 | 5253655-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1708 | XX | XX | XX | 24329417 | 5253655-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1708 | XX | XX | XX | 24329418 | 5253655-22137 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1259 | XX | XX | XX | 24329419 | 5253318-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Investment | Purchase | B | No | ||||||||||||
| 1538 | XX | XX | XX | 24329424 | 5253309-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1538 | XX | XX | XX | 24329425 | 5253309-28240 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1295 | XX | XX | XX | 24329426 | 5253204-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1295 | XX | XX | XX | 24329427 | 5253204-25686 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1295 | XX | XX | XX | 24329428 | 5253204-6306 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1217 | XX | XX | XX | 24329435 | 5253320-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1209 | XX | XX | XX | 24329436 | 5253648-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 1149 | XX | XX | XX | 24329431 | 5253322-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1149 | XX | XX | XX | 24329432 | 5253322-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1149 | XX | XX | XX | 24329433 | 5253322-20729 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1149 | XX | XX | XX | 24329434 | 5253322-2210 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1673 | XX | XX | XX | 24329437 | 5253558-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1673 | XX | XX | XX | 24329438 | 5253558-22137 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1305 | XX | XX | XX | 24329440 | 5253563-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1305 | XX | XX | XX | 24329441 | 5253563-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1305 | XX | XX | XX | 24329442 | 5253563-24983 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1492 | XX | XX | XX | 24329445 | 5253315-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1492 | XX | XX | XX | 24329446 | 5253315-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1492 | XX | XX | XX | 24329447 | 5253315-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Second Home | Purchase | B | No | ||||||||||||
| 1314 | XX | XX | XX | 24329449 | 5253333-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1314 | XX | XX | XX | 24329450 | 5253333-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1247 | XX | XX | XX | 24329452 | 5253316-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1247 | XX | XX | XX | 24329453 | 5253316-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1247 | XX | XX | XX | 24329454 | 5253316-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1503 | XX | XX | XX | 24329466 | 5253658-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 1237 | XX | XX | XX | 24329471 | 5253206-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1237 | XX | XX | XX | 24329472 | 5253206-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1388 | XX | XX | XX | 24329476 | 5253660-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1549 | XX | XX | XX | 24329490 | 5253661-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1549 | XX | XX | XX | 24329491 | 5253661-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $172,404.87 is underdisclosed from calculated Finance Charge of $172,470.43 in the amount of $65.56. | TIL itemization did not disclose the subordination fee of $265 as a prepaid finance charge. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1680 | XX | XX | XX | 24329494 | 5253326-6223 | 08/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1726 | XX | XX | XX | 24329499 | 5253342-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1833 | XX | XX | XX | 24329504 | 5253348-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1498 | XX | XX | XX | 24329508 | 5253542-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1498 | XX | XX | XX | 24329509 | 5253542-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1498 | XX | XX | XX | 24329510 | 5253542-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1290 | XX | XX | XX | 24329506 | 5253561-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1290 | XX | XX | XX | 24329507 | 5253561-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1174 | XX | XX | XX | 24329516 | 5253321-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1174 | XX | XX | XX | 24329517 | 5253321-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1174 | XX | XX | XX | 24329518 | 5253321-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1232 | XX | XX | XX | 24329527 | 5253210-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NV | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1232 | XX | XX | XX | 24329528 | 5253210-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1457 | XX | XX | XX | 24329536 | 5253329-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1457 | XX | XX | XX | 24329537 | 5253329-2666 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. | 2 | B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1078 | XX | XX | XX | 24329539 | 5253218-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 1200 | XX | XX | XX | 24329545 | 5253672-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1143 | XX | XX | XX | 24329550 | 5253683-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,603.96 is underdisclosed from calculated Finance Charge of $302,749.53 in the amount of $145.57. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | DE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1325 | XX | XX | XX | 24329558 | 5253346-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1325 | XX | XX | XX | 24329559 | 5253346-1891 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1325 | XX | XX | XX | 24329560 | 5253346-20804 | 08/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1390 | XX | XX | XX | 24329568 | 5253669-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1194 | XX | XX | XX | 24329570 | 5253343-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1188 | XX | XX | XX | 24329572 | 5253671-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1188 | XX | XX | XX | 24329573 | 5253671-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1188 | XX | XX | XX | 24329574 | 5253671-7042 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1836 | XX | XX | XX | 24329575 | 5253341-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1539 | XX | XX | XX | 24329595 | 5253679-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1539 | XX | XX | XX | 24329596 | 5253679-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1478 | XX | XX | XX | 24329610 | 5253359-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1832 | XX | XX | XX | 24329614 | 5253363-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1571 | XX | XX | XX | 24329624 | 5253556-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1571 | XX | XX | XX | 24329625 | 5253556-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1571 | XX | XX | XX | 24329626 | 5253556-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1571 | XX | XX | XX | 24329627 | 5253556-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1643 | XX | XX | XX | 24329630 | 5253362-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1643 | XX | XX | XX | 24329631 | 5253362-20780 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1643 | XX | XX | XX | 24329632 | 5253362-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1320 | XX | XX | XX | 24329636 | 5253705-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1429 | XX | XX | XX | 24329637 | 5253368-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1486 | XX | XX | XX | 24329646 | 5253369-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1486 | XX | XX | XX | 24329647 | 5253369-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1486 | XX | XX | XX | 24329648 | 5253369-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1486 | XX | XX | XX | 24329649 | 5253369-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1781 | XX | XX | XX | 24329658 | 5253360-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1822 | XX | XX | XX | 24329659 | 5253700-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1751 | XX | XX | XX | 24329664 | 5253367-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1751 | XX | XX | XX | 24329665 | 5253367-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1866 | XX | XX | XX | 24329676 | 5253388-3353 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1866 | XX | XX | XX | 24329677 | 5253388-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1697 | XX | XX | XX | 24329678 | 5253400-2499 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 1745 | XX | XX | XX | 24329690 | 348100-697-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1713 | XX | XX | XX | 24329691 | 5253386-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1713 | XX | XX | XX | 24329692 | 5253386-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1713 | XX | XX | XX | 24329694 | 5253386-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1357 | XX | XX | XX | 24329702 | 5253387-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1357 | XX | XX | XX | 24329703 | 5253387-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1357 | XX | XX | XX | 24329704 | 5253387-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1357 | XX | XX | XX | 24329705 | 5253387-26133 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1858 | XX | XX | XX | 24329701 | 5253378-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1526 | XX | XX | XX | 24329719 | 5253520-6576 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D | No | ||||||||||||
| 1653 | XX | XX | XX | 24329721 | 5253544-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1862 | XX | XX | XX | 24329725 | 5253394-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1807 | XX | XX | XX | 24329727 | 5253391-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1439 | XX | XX | XX | 24329734 | 5253403-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1631 | XX | XX | XX | 24329758 | 5253735-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1631 | XX | XX | XX | 24329759 | 5253735-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1169 | XX | XX | XX | 24329772 | 5253411-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1169 | XX | XX | XX | 24329773 | 5253411-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1169 | XX | XX | XX | 24329774 | 5253411-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1169 | XX | XX | XX | 24329775 | 5253411-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1169 | XX | XX | XX | 24329776 | 5253411-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1299 | XX | XX | XX | 24329800 | 5253406-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1299 | XX | XX | XX | 24329801 | 5253406-20780 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2010 used as disbursement date for compliance testing. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1299 | XX | XX | XX | 24329802 | 5253406-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1299 | XX | XX | XX | 24329803 | 5253406-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $124,687.74 is underdisclosed from calculated Finance Charge of $124,787.74 in the amount of $100.00. | TIL Itemization did not disclose $100.00 Subordination Recording Fee as a prepaid finance charge. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1299 | XX | XX | XX | 24329804 | 5253406-2666 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2010, prior to three (3) business days from transaction date of 02/XX/2010. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1241 | XX | XX | XX | 24329824 | 5253745-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1241 | XX | XX | XX | 24329825 | 5253745-2666 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1885 | XX | XX | XX | 24329861 | 5253738-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1885 | XX | XX | XX | 24329862 | 5253738-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1885 | XX | XX | XX | 24329863 | 5253738-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1885 | XX | XX | XX | 24329864 | 5253738-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1885 | XX | XX | XX | 24329865 | 5253738-2647 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1519 | XX | XX | XX | 24329875 | 5253546-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1519 | XX | XX | XX | 24329876 | 5253546-2684 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1519 | XX | XX | XX | 24329877 | 5253546-2687 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1519 | XX | XX | XX | 24329878 | 5253546-18362 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1519 | XX | XX | XX | 24329879 | 5253546-3078 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1542 | XX | XX | XX | 24329932 | 5253433-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1542 | XX | XX | XX | 24329933 | 5253433-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1542 | XX | XX | XX | 24329934 | 5253433-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1542 | XX | XX | XX | 24329935 | 5253433-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1542 | XX | XX | XX | 24329936 | 5253433-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1542 | XX | XX | XX | 24329937 | 5253433-2499 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1830 | XX | XX | XX | 24329940 | 5253437-3085 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1338 | XX | XX | XX | 24329942 | 5253434-6443 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76184% or Final Disclosure APR of 5.78900% is in excess of allowable threshold of APOR 4.26% + 1.5%, or 5.76000%. Non-Compliant Higher Priced Mortgage Loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1338 | XX | XX | XX | 24329943 | 5253434-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1338 | XX | XX | XX | 24329944 | 5253434-2702 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1881 | XX | XX | XX | 24329949 | 5253438-5428 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1881 | XX | XX | XX | 24329950 | 5253438-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1881 | XX | XX | XX | 24329951 | 5253438-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1881 | XX | XX | XX | 24329952 | 5253438-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $81,534.77 is underdisclosed from calculated Finance Charge of $81,609.76 in the amount of $74.99. | TIL Itemization did not disclose an Appraisal Waiver Fee of $75 as a prepaid finance charge. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1332 | XX | XX | XX | 24329957 | 5253435-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1332 | XX | XX | XX | 24329958 | 5253435-20744 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329979 | 5253440-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329980 | 5253440-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329981 | 5253440-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329982 | 5253440-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329983 | 5253440-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329984 | 5253440-3079 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1805 | XX | XX | XX | 24329985 | 5253440-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $82,721.36 is underdisclosed from calculated Finance Charge of $83,033.97 in the amount of $312.61. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1857 | XX | XX | XX | 24330013 | 5253441-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1857 | XX | XX | XX | 24330014 | 5253441-5428 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1857 | XX | XX | XX | 24330015 | 5253441-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1857 | XX | XX | XX | 24330016 | 5253441-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1857 | XX | XX | XX | 24330017 | 5253441-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1857 | XX | XX | XX | 24330018 | 5253441-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1857 | XX | XX | XX | 24330019 | 5253441-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1681 | XX | XX | XX | 24330022 | 5253761-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1800 | XX | XX | XX | 24330023 | 5253767-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1800 | XX | XX | XX | 24330024 | 5253767-28193 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1800 | XX | XX | XX | 24330025 | 5253767-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1800 | XX | XX | XX | 24330026 | 5253767-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1800 | XX | XX | XX | 24330027 | 5253767-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330028 | 5253762-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330029 | 5253762-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330030 | 5253762-2692 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330031 | 5253762-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330032 | 5253762-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330033 | 5253762-2706 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330034 | 5253762-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330035 | 5253762-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330036 | 5253762-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1426 | XX | XX | XX | 24330037 | 5253762-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $234,180.00 is underdisclosed from calculated Finance Charge of $234,290.14 in the amount of $110.14. | TiL underdisclosure due to subordination recording fee in the amount of $110 not disclosed as prepaid items. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1779 | XX | XX | XX | 24330049 | 5253446-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1779 | XX | XX | XX | 24330051 | 5253446-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1181 | XX | XX | XX | 24330059 | 5253450-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1181 | XX | XX | XX | 24330060 | 5253450-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1181 | XX | XX | XX | 24330061 | 5253450-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1181 | XX | XX | XX | 24330062 | 5253450-3085 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1181 | XX | XX | XX | 24330063 | 5253450-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1489 | XX | XX | XX | 24330064 | 5253756-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1489 | XX | XX | XX | 24330065 | 5253756-1859 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1489 | XX | XX | XX | 24330066 | 5253756-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1489 | XX | XX | XX | 24330067 | 5253756-20745 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1712 | XX | XX | XX | 24330113 | 5253757-2210 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1712 | XX | XX | XX | 24330114 | 5253757-2214 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1785 | XX | XX | XX | 24330150 | 5253766-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1785 | XX | XX | XX | 24330151 | 5253766-2700 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) With Cure | RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1785 | XX | XX | XX | 24330152 | 5253766-1305 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) With Cure | RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1877 | XX | XX | XX | 24330166 | 5253459-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1877 | XX | XX | XX | 24330167 | 5253459-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $69,432.26 is underdisclosed from calculated Finance Charge of $69,503.71 in the amount of $71.45. | TIL Itemization disclosed settlement fee of $564 as a prepaid finance charge, but the settlement fee per the final HUD is $400. Prepaid interest pre TIL Itemization is $10.06 and per final HUD is a lender credit of $130.78. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1615 | XX | XX | XX | 24330172 | 5253466-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 1615 | XX | XX | XX | 24330173 | 5253466-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 1733 | XX | XX | XX | 24330175 | 5253464-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1824 | XX | XX | XX | 24330174 | 5253550-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1121 | XX | XX | XX | 24330176 | 5253467-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1121 | XX | XX | XX | 24330177 | 5253467-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1121 | XX | XX | XX | 24330178 | 5253467-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1121 | XX | XX | XX | 24330179 | 5253467-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1121 | XX | XX | XX | 24330180 | 5253467-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1605 | XX | XX | XX | 24330189 | 5253551-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1605 | XX | XX | XX | 24330190 | 5253551-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330183 | 5253773-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330184 | 5253773-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330185 | 5253773-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330186 | 5253773-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330187 | 5253773-5438 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1669 | XX | XX | XX | 24330188 | 5253773-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $246,636.09 is underdisclosed from calculated Finance Charge of $247,015.86 in the amount of $379.77. | TIL itemization did not disclose the sub escrow fee of $250 as a prepaid finance charge. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1737 | XX | XX | XX | 24330204 | 5253463-5440 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 1737 | XX | XX | XX | 24330205 | 5253463-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1737 | XX | XX | XX | 24330206 | 5253463-5432 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1737 | XX | XX | XX | 24330207 | 5253463-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1737 | XX | XX | XX | 24330208 | 5253463-2647 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1737 | XX | XX | XX | 24330209 | 5253463-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1737 | XX | XX | XX | 24330210 | 5253463-3071 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1737 | XX | XX | XX | 24330211 | 5253463-3074 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1636 | XX | XX | XX | 24330221 | 5253472-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1636 | XX | XX | XX | 24330222 | 5253472-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1636 | XX | XX | XX | 24330223 | 5253472-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1821 | XX | XX | XX | 24330226 | 5253471-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1821 | XX | XX | XX | 24330227 | 5253471-7115 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | No | |||||||||||
| 1419 | XX | XX | XX | 24330241 | 5253474-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1419 | XX | XX | XX | 24330243 | 5253474-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1419 | XX | XX | XX | 24330245 | 5253474-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1352 | XX | XX | XX | 24330263 | 5253496-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1352 | XX | XX | XX | 24330264 | 5253496-5434 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1352 | XX | XX | XX | 24330265 | 5253496-6509 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1666 | XX | XX | XX | 24330323 | 5253481-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1666 | XX | XX | XX | 24330324 | 5253481-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1666 | XX | XX | XX | 24330325 | 5253481-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1666 | XX | XX | XX | 24330326 | 5253481-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1666 | XX | XX | XX | 24330327 | 5253481-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $164,053.91 is underdisclosed from calculated Finance Charge of $164,128.86 in the amount of $74.95. | TIL itemization did not disclose a subordination recording of $75.00 as a prepaid finance charge. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1666 | XX | XX | XX | 24330329 | 5253481-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1638 | XX | XX | XX | 24330315 | 5253486-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $208,457.11 is underdisclosed from calculated Finance Charge of $208,541.75 in the amount of $84.64. | TIL Itemization does not reflect tax fee of $84.71 as a prepaid finance charge | 2 | B | XX | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1140 | XX | XX | XX | 24330338 | 5253785-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1140 | XX | XX | XX | 24330339 | 5253785-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1778 | XX | XX | XX | 24330342 | 5253491-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1778 | XX | XX | XX | 24330343 | 5253491-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1778 | XX | XX | XX | 24330344 | 5253491-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1810 | XX | XX | XX | 24330391 | 5253500-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1810 | XX | XX | XX | 24330392 | 5253500-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1810 | XX | XX | XX | 24330393 | 5253500-2706 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1803 | XX | XX | XX | 24330429 | 5253800-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1803 | XX | XX | XX | 24330430 | 5253800-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1632 | XX | XX | XX | 24330442 | 5253797-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1632 | XX | XX | XX | 24330443 | 5253797-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1632 | XX | XX | XX | 24330444 | 5253797-5438 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330455 | 5253198-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330456 | 5253198-28193 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330457 | 5253198-2687 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330458 | 5253198-25677 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330459 | 5253198-3063 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330460 | 5253198-3078 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1528 | XX | XX | XX | 24330462 | 5253198-5428 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1879 | XX | XX | XX | 24330472 | 5253510-6514 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1879 | XX | XX | XX | 24330473 | 5253510-5437 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330482 | 5253393-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1828 | XX | XX | XX | 24330483 | 5253393-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1828 | XX | XX | XX | 24330484 | 5253393-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330485 | 5253393-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330486 | 5253393-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330487 | 5253393-3079 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330488 | 5253393-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1828 | XX | XX | XX | 24330489 | 5253393-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1828 | XX | XX | XX | 24330490 | 5253393-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1815 | XX | XX | XX | 24330498 | 5253514-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1815 | XX | XX | XX | 24330499 | 5253514-5432 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 1815 | XX | XX | XX | 24330500 | 5253514-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1815 | XX | XX | XX | 24330501 | 5253514-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1815 | XX | XX | XX | 24330502 | 5253514-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1815 | XX | XX | XX | 24330503 | 5253514-3063 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1173 | XX | XX | XX | 24330514 | 5253413-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1173 | XX | XX | XX | 24330515 | 5253413-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1173 | XX | XX | XX | 24330516 | 5253413-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1173 | XX | XX | XX | 24330517 | 5253413-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1173 | XX | XX | XX | 24330518 | 5253413-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1413 | XX | XX | XX | 24330563 | 5253182-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1413 | XX | XX | XX | 24330564 | 5253182-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1413 | XX | XX | XX | 24330565 | 5253182-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||
| 1652 | XX | XX | XX | 24330619 | 5253275-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1652 | XX | XX | XX | 24330621 | 5253275-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1652 | XX | XX | XX | 24330622 | 5253275-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1652 | XX | XX | XX | 24330623 | 5253275-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1662 | XX | XX | XX | 24330644 | 5253421-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1662 | XX | XX | XX | 24330645 | 5253421-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1662 | XX | XX | XX | 24330646 | 5253421-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1662 | XX | XX | XX | 24330648 | 5253421-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1662 | XX | XX | XX | 24330649 | 5253421-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1584 | XX | XX | XX | 24330650 | 5253635-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1865 | XX | XX | XX | 24330655 | 5253268-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1865 | XX | XX | XX | 24330656 | 5253268-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1865 | XX | XX | XX | 24330657 | 5253268-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1865 | XX | XX | XX | 24330658 | 5253268-23081 | 08/03/2021 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1865 | XX | XX | XX | 24330659 | 5253268-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1865 | XX | XX | XX | 24330660 | 5253268-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1715 | XX | XX | XX | 24330670 | 5253195-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1715 | XX | XX | XX | 24330671 | 5253195-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1715 | XX | XX | XX | 24330672 | 5253195-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1715 | XX | XX | XX | 24330673 | 5253195-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||
| 1574 | XX | XX | XX | 24330679 | 5253225-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1574 | XX | XX | XX | 24330682 | 5253225-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1574 | XX | XX | XX | 24330683 | 5253225-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1574 | XX | XX | XX | 24330684 | 5253225-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1574 | XX | XX | XX | 24330685 | 5253225-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1574 | XX | XX | XX | 24330686 | 5253225-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1574 | XX | XX | XX | 24330687 | 5253225-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1762 | XX | XX | XX | 24330694 | 5253289-613 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1762 | XX | XX | XX | 24330695 | 5253289-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1762 | XX | XX | XX | 24330696 | 5253289-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1762 | XX | XX | XX | 24330697 | 5253289-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||
| 1146 | XX | XX | XX | 24330716 | 5253310-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1146 | XX | XX | XX | 24330717 | 5253310-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1146 | XX | XX | XX | 24330718 | 5253310-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||
| 1146 | XX | XX | XX | 24330719 | 5253310-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1146 | XX | XX | XX | 24330720 | 5253310-613 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1269 | XX | XX | XX | 24330739 | 5253562-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1269 | XX | XX | XX | 24330740 | 5253562-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1269 | XX | XX | XX | 24330741 | 5253562-611 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 1269 | XX | XX | XX | 24330742 | 5253562-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||
| 1834 | XX | XX | XX | 24330752 | 5253271-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1834 | XX | XX | XX | 24330753 | 5253271-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1834 | XX | XX | XX | 24330754 | 5253271-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1272 | XX | XX | XX | 24330805 | 5253278-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1404 | XX | XX | XX | 24330812 | 5253296-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 1404 | XX | XX | XX | 24330813 | 5253296-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 1404 | XX | XX | XX | 24330814 | 5253296-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 1614 | XX | XX | XX | 24330826 | 5253281-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | UTD - UTD | D | No | ||||||||||||
| 1614 | XX | XX | XX | 24330827 | 5253281-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | Primary | UTD - UTD | D | No | ||||||||||||
| 1614 | XX | XX | XX | 24330828 | 5253281-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | Primary | UTD - UTD | D | No | ||||||||||||
| 1614 | XX | XX | XX | 24330829 | 5253281-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1614 | XX | XX | XX | 24330830 | 5253281-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | UTD - UTD | D | No | ||||||||||||
| 1614 | XX | XX | XX | 24330831 | 5253281-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | UTD - UTD | D | No | |||||||||||||
| 1614 | XX | XX | XX | 24330834 | 5253281-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | UTD - UTD | D | No | |||||||||||||
| 1841 | XX | XX | XX | 24330857 | 5253612-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1841 | XX | XX | XX | 24330858 | 5253612-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1841 | XX | XX | XX | 24330859 | 5253612-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1841 | XX | XX | XX | 24330860 | 5253612-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1814 | XX | XX | XX | 24330867 | 5253371-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1814 | XX | XX | XX | 24330868 | 5253371-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1814 | XX | XX | XX | 24330869 | 5253371-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1814 | XX | XX | XX | 24330870 | 5253371-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1848 | XX | XX | XX | 24330882 | 5253372-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 1848 | XX | XX | XX | 24330883 | 5253372-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 1848 | XX | XX | XX | 24330884 | 5253372-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 1848 | XX | XX | XX | 24330885 | 5253372-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 1848 | XX | XX | XX | 24330887 | 5253372-18330 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 1848 | XX | XX | XX | 24330888 | 5253372-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 1886 | XX | XX | XX | 24330980 | 5253264-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1886 | XX | XX | XX | 24330982 | 5253264-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1886 | XX | XX | XX | 24330983 | 5253264-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1886 | XX | XX | XX | 24330984 | 5253264-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1886 | XX | XX | XX | 24330985 | 5253264-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1741 | XX | XX | XX | 24331016 | 5253249-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1741 | XX | XX | XX | 24331017 | 5253249-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1741 | XX | XX | XX | 24331018 | 5253249-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1741 | XX | XX | XX | 24331019 | 5253249-2647 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1741 | XX | XX | XX | 24331020 | 5253249-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1875 | XX | XX | XX | 24331112 | 5253571-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | |||||||||||||
| 1875 | XX | XX | XX | 24331114 | 5253571-18330 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | |||||||||||||
| 1875 | XX | XX | XX | 24331115 | 5253571-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | |||||||||||||
| 1875 | XX | XX | XX | 24331116 | 5253571-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | ||||||||||||
| 1875 | XX | XX | XX | 24331117 | 5253571-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OR | UTD | Refinance - UTD | D | No | ||||||||||||
| 1875 | XX | XX | XX | 24331118 | 5253571-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | ||||||||||||
| 1875 | XX | XX | XX | 24331119 | 5253571-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OR | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1875 | XX | XX | XX | 24331120 | 5253571-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OR | UTD | Refinance - UTD | D | No | ||||||||||||
| 1667 | XX | XX | XX | 24331147 | 5253185-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 1667 | XX | XX | XX | 24331149 | 5253185-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1667 | XX | XX | XX | 24331150 | 5253185-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1667 | XX | XX | XX | 24331153 | 5253185-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 1667 | XX | XX | XX | 24331154 | 5253185-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1870 | XX | XX | XX | 24331169 | 5253173-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | |||||||||||||
| 1870 | XX | XX | XX | 24331171 | 5253173-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | |||||||||||||
| 1870 | XX | XX | XX | 24331172 | 5253173-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 1870 | XX | XX | XX | 24331173 | 5253173-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 1870 | XX | XX | XX | 24331174 | 5253173-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 1870 | XX | XX | XX | 24331175 | 5253173-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OK | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1870 | XX | XX | XX | 24331176 | 5253173-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 1742 | XX | XX | XX | 24331182 | 5253364-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1706 | XX | XX | XX | 24331196 | 5253398-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1706 | XX | XX | XX | 24331197 | 5253398-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1706 | XX | XX | XX | 24331198 | 5253398-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1706 | XX | XX | XX | 24331200 | 5253398-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1706 | XX | XX | XX | 24331202 | 5253398-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 1205 | XX | XX | XX | 24331258 | 5254602-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1205 | XX | XX | XX | 24331259 | 5254602-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1205 | XX | XX | XX | 24331260 | 5254602-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1577 | XX | XX | XX | 24331262 | 5253389-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1577 | XX | XX | XX | 24331263 | 5253389-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1577 | XX | XX | XX | 24331264 | 5253389-20745 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1577 | XX | XX | XX | 24331265 | 5253389-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1577 | XX | XX | XX | 24331266 | 5253389-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1252 | XX | XX | XX | 24331276 | 5254850-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Purchase | D | No | |||||||||||||
| 1252 | XX | XX | XX | 24331278 | 5254850-20780 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1994 used as disbursement date for compliance testing. | 2 | B | XX | NJ | Primary | Purchase | D | No | ||||||||||||
| 1252 | XX | XX | XX | 24331279 | 5254850-6579 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NJ | Primary | Purchase | D | No | ||||||||||||
| 1252 | XX | XX | XX | 24331280 | 5254850-7028 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NJ | Primary | Purchase | D | No | ||||||||||||
| 1252 | XX | XX | XX | 24331281 | 5254850-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Purchase | D | No | ||||||||||||
| 1252 | XX | XX | XX | 24331283 | 5254850-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Purchase | D | No | |||||||||||||
| 1786 | XX | XX | XX | 24331295 | 5253172-3934 | 12/26/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1786 | XX | XX | XX | 24331296 | 5253172-7027 | 12/26/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1997. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1786 | XX | XX | XX | 24331297 | 5253172-7037 | 12/26/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1786 | XX | XX | XX | 24331298 | 5253172-3494 | 12/26/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1843 | XX | XX | XX | 24331318 | 5253860-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1843 | XX | XX | XX | 24331319 | 5253860-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1843 | XX | XX | XX | 24331321 | 5253860-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1843 | XX | XX | XX | 24331322 | 5253860-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1725 | XX | XX | XX | 24331336 | 5254860-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1725 | XX | XX | XX | 24331338 | 5254860-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1725 | XX | XX | XX | 24331339 | 5254860-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1725 | XX | XX | XX | 24331340 | 5254860-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1725 | XX | XX | XX | 24331341 | 5254860-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1847 | XX | XX | XX | 24331325 | 5253865-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | ||||||||||||
| 1847 | XX | XX | XX | 24331326 | 5253865-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | UTD | Refinance - UTD | D | No | ||||||||||||
| 1847 | XX | XX | XX | 24331327 | 5253865-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | ||||||||||||
| 1847 | XX | XX | XX | 24331328 | 5253865-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | |||||||||||||
| 1847 | XX | XX | XX | 24331331 | 5253865-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1847 | XX | XX | XX | 24331332 | 5253865-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | ||||||||||||
| 1847 | XX | XX | XX | 24331333 | 5253865-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | |||||||||||||
| 1847 | XX | XX | XX | 24331334 | 5253865-18330 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | VA | UTD | Refinance - UTD | D | No | |||||||||||||
| 1096 | XX | XX | XX | 24331352 | 5254861-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 1096 | XX | XX | XX | 24331353 | 5254861-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 1187 | XX | XX | XX | 24331382 | 5254868-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $203,060.27 is underdisclosed from calculated Finance Charge of $203,351.43 in the amount of $291.16. | TIL Itemization did not disclose the service charge fee of $100, the recording service fee of $26, the settlement fee of $150 and the courier fee of $15 as prepaid finance charges. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1187 | XX | XX | XX | 24331383 | 5254868-7042 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1844 | XX | XX | XX | 24331384 | 5254872-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NV | Investment | Purchase | B | No | ||||||||||||
| 1168 | XX | XX | XX | 24331387 | 5254871-3934 | 08/24/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 1168 | XX | XX | XX | 24331388 | 5254871-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1168 | XX | XX | XX | 24331389 | 5254871-3494 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1474 | XX | XX | XX | 24331393 | 5254444-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 1474 | XX | XX | XX | 24331394 | 5254444-18330 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 1474 | XX | XX | XX | 24331395 | 5254444-20780 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 1474 | XX | XX | XX | 24331396 | 5254444-6579 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 1474 | XX | XX | XX | 24331397 | 5254444-7028 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 1474 | XX | XX | XX | 24331398 | 5254444-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 1222 | XX | XX | XX | 24331404 | 5254908-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 1222 | XX | XX | XX | 24331406 | 5254908-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1222 | XX | XX | XX | 24331407 | 5254908-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1222 | XX | XX | XX | 24331408 | 5254908-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 1728 | XX | XX | XX | 24331409 | 5254885-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1728 | XX | XX | XX | 24331410 | 5254885-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1421 | XX | XX | XX | 24331415 | 5254446-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1421 | XX | XX | XX | 24331416 | 5254446-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1421 | XX | XX | XX | 24331417 | 5254446-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1421 | XX | XX | XX | 24331418 | 5254446-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1254 | XX | XX | XX | 24331421 | 5254869-611 | 08/02/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1254 | XX | XX | XX | 24331422 | 5254869-22050 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1637 | XX | XX | XX | 24331430 | 5254884-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1637 | XX | XX | XX | 24331431 | 5254884-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1637 | XX | XX | XX | 24331432 | 5254884-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1637 | XX | XX | XX | 24331433 | 5254884-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1864 | XX | XX | XX | 24331438 | 5253940-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1864 | XX | XX | XX | 24331440 | 5253940-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1864 | XX | XX | XX | 24331441 | 5253940-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1864 | XX | XX | XX | 24331442 | 5253940-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1864 | XX | XX | XX | 24331443 | 5253940-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1087 | XX | XX | XX | 24331447 | 5253942-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MS | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1087 | XX | XX | XX | 24331448 | 5253942-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1087 | XX | XX | XX | 24331449 | 5253942-25686 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1087 | XX | XX | XX | 24331450 | 5253942-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1087 | XX | XX | XX | 24331451 | 5253942-22050 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1087 | XX | XX | XX | 24331452 | 5253942-7040 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1087 | XX | XX | XX | 24331453 | 5253942-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1842 | XX | XX | XX | 24331455 | 5254461-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1842 | XX | XX | XX | 24331456 | 5254461-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1842 | XX | XX | XX | 24331457 | 5254461-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1842 | XX | XX | XX | 24331458 | 5254461-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1867 | XX | XX | XX | 24331489 | 5253953-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1867 | XX | XX | XX | 24331490 | 5253953-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1867 | XX | XX | XX | 24331491 | 5253953-4087 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1867 | XX | XX | XX | 24331492 | 5253953-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1415 | XX | XX | XX | 24331500 | 5254943-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 1415 | XX | XX | XX | 24331501 | 5254943-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 1819 | XX | XX | XX | 24331519 | 5254456-25686 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CT | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1819 | XX | XX | XX | 24331520 | 5254456-6302 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CT | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1882 | XX | XX | XX | 24331529 | 5254458-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1882 | XX | XX | XX | 24331530 | 5254458-2666 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1882 | XX | XX | XX | 24331531 | 5254458-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1851 | XX | XX | XX | 24331540 | 5253934-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $128,115.93 is underdisclosed from calculated Finance Charge of $128,230.48 in the amount of $114.55. | Finance charges are under disclosed by $114.55 due to the title courier fee of $75 and the recording service fee of $40 not being included as prepaid finance charges per the itemization of amount financed. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1291 | XX | XX | XX | 24331532 | 5254490-6576 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1291 | XX | XX | XX | 24331533 | 5254490-4087 | 09/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1291 | XX | XX | XX | 24331534 | 5254490-3934 | 09/07/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1291 | XX | XX | XX | 24331538 | 5254490-7027 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1291 | XX | XX | XX | 24331539 | 5254490-4088 | 09/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1496 | XX | XX | XX | 24331545 | 5253176-7027 | 11/30/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1496 | XX | XX | XX | 24331546 | 5253176-4088 | 11/30/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1158 | XX | XX | XX | 24331589 | 5254468-611 | 03/23/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1838 | XX | XX | XX | 24331576 | 5254508-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DC | Primary | Purchase | B | No | |||||||||||||
| 1838 | XX | XX | XX | 24331577 | 5254508-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 1838 | XX | XX | XX | 24331578 | 5254508-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 1382 | XX | XX | XX | 24331609 | 5254972-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1382 | XX | XX | XX | 24331610 | 5254972-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1382 | XX | XX | XX | 24331611 | 5254972-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1287 | XX | XX | XX | 24331601 | 5254965-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1287 | XX | XX | XX | 24331602 | 5254965-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1287 | XX | XX | XX | 24331603 | 5254965-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1287 | XX | XX | XX | 24331604 | 5254965-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1796 | XX | XX | XX | 24331596 | 5254478-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1796 | XX | XX | XX | 24331597 | 5254478-23495 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1796 | XX | XX | XX | 24331598 | 5254478-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1796 | XX | XX | XX | 24331600 | 5254478-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $202,897.07 is underdisclosed from calculated Finance Charge of $203,016.93 in the amount of $119.86. | The TIL itemization did not disclose a rundown fee of $85 or wire fee of $35 as prepaid finance charges. | 2 | B | XX | NH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1468 | XX | XX | XX | 24331606 | 5254988-25688 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1468 | XX | XX | XX | 24331607 | 5254988-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1670 | XX | XX | XX | 24331620 | 5254984-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 1670 | XX | XX | XX | 24331622 | 5254984-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 1670 | XX | XX | XX | 24331623 | 5254984-25688 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1670 | XX | XX | XX | 24331624 | 5254984-6306 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1645 | XX | XX | XX | 24331625 | 5254996-25686 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1645 | XX | XX | XX | 24331626 | 5254996-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1323 | XX | XX | XX | 24331629 | 5254947-3934 | 08/02/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 1323 | XX | XX | XX | 24331630 | 5254947-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1226 | XX | XX | XX | 24331632 | 5254526-3934 | 09/07/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Purchase | D | No | |||||||||||||
| 1226 | XX | XX | XX | 24331633 | 5254526-20780 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | MN | Primary | Purchase | D | No | ||||||||||||
| 1226 | XX | XX | XX | 24331634 | 5254526-6579 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MN | Primary | Purchase | D | No | ||||||||||||
| 1226 | XX | XX | XX | 24331635 | 5254526-7028 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MN | Primary | Purchase | D | No | ||||||||||||
| 1226 | XX | XX | XX | 24331636 | 5254526-3494 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MN | Primary | Purchase | D | No | ||||||||||||
| 1481 | XX | XX | XX | 24331643 | 5255008-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $309,237.89 is underdisclosed from calculated Finance Charge of $315,425.73 in the amount of $6,187.84. | Closing instructions indicate the index used at origination was 2.480%. The closest index available within the look-back period is 2.610%. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1730 | XX | XX | XX | 24331649 | 5254497-2802 | 01/14/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1730 | XX | XX | XX | 24331651 | 5254497-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1730 | XX | XX | XX | 24331652 | 5254497-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1730 | XX | XX | XX | 24331653 | 5254497-23495 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1730 | XX | XX | XX | 24331654 | 5254497-23494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1277 | XX | XX | XX | 24331647 | 5254499-6576 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1548 | XX | XX | XX | 24331660 | 5255031-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1548 | XX | XX | XX | 24331661 | 5255031-4088 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1548 | XX | XX | XX | 24331662 | 5255031-23495 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1548 | XX | XX | XX | 24331663 | 5255031-23494 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1721 | XX | XX | XX | 24331673 | 5254502-22050 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 1721 | XX | XX | XX | 24331674 | 5254502-611 | 08/24/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 1721 | XX | XX | XX | 24331675 | 5254502-6578 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1311 | XX | XX | XX | 24331669 | 5254503-6578 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1311 | XX | XX | XX | 24331670 | 5254503-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $190,860.09 is underdisclosed from calculated Finance Charge of $193,839.95 in the amount of $2,979.86. | Final TIL isn't using the P&I from the note in the calculated figures. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 1311 | XX | XX | XX | 24331671 | 5254503-2666 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1311 | XX | XX | XX | 24331672 | 5254503-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1112 | XX | XX | XX | 24331678 | 5253285-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1112 | XX | XX | XX | 24331679 | 5253285-4088 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1545 | XX | XX | XX | 24331702 | 5255039-5791 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1322 | XX | XX | XX | 24331721 | 5254045-5445 | 03/23/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1322 | XX | XX | XX | 24331722 | 5254045-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1322 | XX | XX | XX | 24331724 | 5254045-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1077 | XX | XX | XX | 24331745 | 5255058-7027 | 08/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1077 | XX | XX | XX | 24331746 | 5255058-6305 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1077 | XX | XX | XX | 24331747 | 5255058-6306 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1265 | XX | XX | XX | 24331755 | 5255104-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1265 | XX | XX | XX | 24331756 | 5255104-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1350 | XX | XX | XX | 24331774 | 5255025-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Second Home | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1710 | XX | XX | XX | 24331769 | 5254032-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1710 | XX | XX | XX | 24331770 | 5254032-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,124.75 is underdisclosed from calculated Finance Charge of $84,240.66 in the amount of $115.91. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1710 | XX | XX | XX | 24331771 | 5254032-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 1710 | XX | XX | XX | 24331772 | 5254032-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 1127 | XX | XX | XX | 24331789 | 5255092-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1127 | XX | XX | XX | 24331790 | 5255092-2666 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1303 | XX | XX | XX | 24331785 | 5255094-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1387 | XX | XX | XX | 24331791 | 5255131-4967 | 08/31/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1387 | XX | XX | XX | 24331793 | 5255131-3934 | 08/31/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1387 | XX | XX | XX | 24331794 | 5255131-7027 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1387 | XX | XX | XX | 24331795 | 5255131-23038 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1387 | XX | XX | XX | 24331796 | 5255131-7037 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1387 | XX | XX | XX | 24331797 | 5255131-3494 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1387 | XX | XX | XX | 24331798 | 5255131-6301 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1387 | XX | XX | XX | 24331799 | 5255131-6302 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1236 | XX | XX | XX | 24331802 | 5254043-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 1236 | XX | XX | XX | 24331804 | 5254043-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 1551 | XX | XX | XX | 24331814 | 347539-697-6576 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1811 | XX | XX | XX | 24331824 | 5254627-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1626 | XX | XX | XX | 24331825 | 5254112-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1626 | XX | XX | XX | 24331826 | 5254112-25895 | 12/03/2020 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 12.50000%. Prepay language states prepay will not exceed maximum permitted by applicable law. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1626 | XX | XX | XX | 24331827 | 5254112-25686 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1626 | XX | XX | XX | 24331829 | 5254112-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1459 | XX | XX | XX | 24331830 | 5255138-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1459 | XX | XX | XX | 24331831 | 5255138-4087 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1459 | XX | XX | XX | 24331832 | 5255138-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1459 | XX | XX | XX | 24331833 | 5255138-25686 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1459 | XX | XX | XX | 24331834 | 5255138-6302 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1418 | XX | XX | XX | 24331847 | 5254561-2802 | 08/17/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1418 | XX | XX | XX | 24331848 | 5254561-5791 | 08/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1418 | XX | XX | XX | 24331849 | 5254561-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1719 | XX | XX | XX | 24331852 | 5253302-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1719 | XX | XX | XX | 24331853 | 5253302-5791 | 01/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1719 | XX | XX | XX | 24331854 | 5253302-3928 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1719 | XX | XX | XX | 24331855 | 5253302-4087 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1569 | XX | XX | XX | 24331860 | 5255057-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Second Home | Purchase | B | No | ||||||||||||
| 1427 | XX | XX | XX | 24331882 | 5255175-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1178 | XX | XX | XX | 24331877 | 5254669-2659 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $259,268.69 is underdisclosed from calculated Finance Charge of $259,995.50 in the amount of $726.81. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1178 | XX | XX | XX | 24331878 | 5254669-22866 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1178 | XX | XX | XX | 24331879 | 5254669-24490 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1111 | XX | XX | XX | 24331889 | 5255511-28247 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 2 | B | XX | CA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1617 | XX | XX | XX | 24331891 | 5254663-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1347 | XX | XX | XX | 24331905 | 5254130-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1780 | XX | XX | XX | 24331907 | 5255100-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | |||||||||||||
| 1780 | XX | XX | XX | 24331908 | 5255100-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | |||||||||||||
| 1780 | XX | XX | XX | 24331910 | 5255100-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1780 | XX | XX | XX | 24331911 | 5255100-23038 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1780 | XX | XX | XX | 24331912 | 5255100-22064 | 03/31/2020 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1780 | XX | XX | XX | 24331913 | 5255100-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | No | |||||||||||
| 1780 | XX | XX | XX | 24331914 | 5255100-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1780 | XX | XX | XX | 24331916 | 5255100-5705 | 03/31/2020 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | 3 | C | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1090 | XX | XX | XX | 24331918 | 5254594-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1438 | XX | XX | XX | 24331926 | 5255195-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1438 | XX | XX | XX | 24331927 | 5255195-3934 | 11/17/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1281 | XX | XX | XX | 24331928 | 5255189-5445 | 03/23/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1281 | XX | XX | XX | 24331929 | 5255189-3928 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1281 | XX | XX | XX | 24331930 | 5255189-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1790 | XX | XX | XX | 24331931 | 5255102-4087 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1215 | XX | XX | XX | 24331944 | 5255244-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1215 | XX | XX | XX | 24331945 | 5255244-4087 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1215 | XX | XX | XX | 24331946 | 5255244-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1547 | XX | XX | XX | 24331953 | 5254610-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1547 | XX | XX | XX | 24331954 | 5254610-3934 | 11/06/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1467 | XX | XX | XX | 24331988 | 5255257-6576 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NV | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1467 | XX | XX | XX | 24331989 | 5255257-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1467 | XX | XX | XX | 24331990 | 5255257-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | No Defined Cure | D | No | |||||||||||
| 1073 | XX | XX | XX | 24331979 | 5255254-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1073 | XX | XX | XX | 24331980 | 5255254-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1073 | XX | XX | XX | 24331981 | 5255254-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Purchase | B | No | |||||||||||||
| 1510 | XX | XX | XX | 24332009 | 5255241-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,703.05 is underdisclosed from calculated Finance Charge of $84,887.22 in the amount of $184.17. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1561 | XX | XX | XX | 24332025 | 5254722-3934 | 12/08/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 1561 | XX | XX | XX | 24332027 | 5254722-4967 | 12/08/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 1561 | XX | XX | XX | 24332028 | 5254722-25158 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1561 | XX | XX | XX | 24332029 | 5254722-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1561 | XX | XX | XX | 24332030 | 5254722-3494 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1561 | XX | XX | XX | 24332032 | 5254722-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1675 | XX | XX | XX | 24332033 | 5254210-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $214,153.07 is underdisclosed from calculated Finance Charge of $214,260.80 in the amount of $107.73. | TIL Itemization did not disclose the tax service fee of $69, the flood cert. of $8.50 or the courier fee of $30 as prepaid finance charges. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1675 | XX | XX | XX | 24332034 | 5254210-2778 | 11/17/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1229 | XX | XX | XX | 24332038 | 5254736-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1229 | XX | XX | XX | 24332039 | 5254736-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1229 | XX | XX | XX | 24332040 | 5254736-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1229 | XX | XX | XX | 24332041 | 5254736-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | D | No | ||||||||||||
| 1229 | XX | XX | XX | 24332042 | 5254736-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1229 | XX | XX | XX | 24332044 | 5254736-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Purchase | D | No | |||||||||||||
| 1195 | XX | XX | XX | 24332047 | 5253336-4088 | 12/11/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1195 | XX | XX | XX | 24332048 | 5253336-20779 | 12/11/2018 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1145 | XX | XX | XX | 24332053 | 5253332-4088 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1120 | XX | XX | XX | 24332059 | 5253209-2297 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1120 | XX | XX | XX | 24332060 | 5253209-3297 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. | 3 | A | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1120 | XX | XX | XX | 24332061 | 5253209-2314 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1120 | XX | XX | XX | 24332062 | 5253209-4088 | 12/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 1120 | XX | XX | XX | 24332063 | 5253209-2298 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within three (3) days of application. | RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07 | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | |||||||||||
| 1120 | XX | XX | XX | 24332064 | 5253209-2315 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided within three (3) business days of application. | RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07 | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | |||||||||||
| 1138 | XX | XX | XX | 24332065 | 5255152-4088 | 09/20/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1286 | XX | XX | XX | 24332069 | 5253340-5445 | 12/04/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1286 | XX | XX | XX | 24332070 | 5253340-4088 | 12/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1286 | XX | XX | XX | 24332071 | 5253340-6305 | 12/04/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1286 | XX | XX | XX | 24332072 | 5253340-6302 | 12/04/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1166 | XX | XX | XX | 24332067 | 5255157-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1307 | XX | XX | XX | 24332082 | 5255310-5791 | 08/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1307 | XX | XX | XX | 24332084 | 5255310-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1871 | XX | XX | XX | 24332077 | 5254278-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1871 | XX | XX | XX | 24332078 | 5254278-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1871 | XX | XX | XX | 24332079 | 5254278-25805 | 12/15/2020 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1871 | XX | XX | XX | 24332080 | 5254278-23495 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1871 | XX | XX | XX | 24332081 | 5254278-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1242 | XX | XX | XX | 24332095 | 5254289-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1242 | XX | XX | XX | 24332097 | 5254289-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1242 | XX | XX | XX | 24332098 | 5254289-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1619 | XX | XX | XX | 24332131 | 5254296-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1619 | XX | XX | XX | 24332132 | 5254296-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1619 | XX | XX | XX | 24332133 | 5254296-2666 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1802 | XX | XX | XX | 24332140 | 5255378-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1802 | XX | XX | XX | 24332141 | 5255378-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 1363 | XX | XX | XX | 24332143 | 5253224-5445 | 01/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1363 | XX | XX | XX | 24332144 | 5253224-2778 | 01/03/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1363 | XX | XX | XX | 24332145 | 5253224-6301 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332146 | 5253224-6302 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332147 | 5253224-22050 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332148 | 5253224-2666 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332149 | 5253224-2647 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332150 | 5253224-3953 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 1363 | XX | XX | XX | 24332151 | 5253224-611 | 01/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1754 | XX | XX | XX | 24332152 | 5255363-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1880 | XX | XX | XX | 24332156 | 5253373-3934 | 01/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1880 | XX | XX | XX | 24332158 | 5253373-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1880 | XX | XX | XX | 24332159 | 5253373-7037 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1880 | XX | XX | XX | 24332160 | 5253373-3494 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1880 | XX | XX | XX | 24332161 | 5253373-4967 | 01/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1606 | XX | XX | XX | 24332170 | 5254784-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1264 | XX | XX | XX | 24332187 | 5255373-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1264 | XX | XX | XX | 24332188 | 5255373-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332202 | 5255208-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Purchase | B | No | |||||||||||||
| 1329 | XX | XX | XX | 24332203 | 5255208-5445 | 03/16/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332204 | 5255208-25158 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332205 | 5255208-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332206 | 5255208-2713 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332207 | 5255208-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332208 | 5255208-3063 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332209 | 5255208-2688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1329 | XX | XX | XX | 24332210 | 5255208-3353 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1125 | XX | XX | XX | 24332219 | 5254328-2692 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1125 | XX | XX | XX | 24332220 | 5254328-2694 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1125 | XX | XX | XX | 24332221 | 5254328-2696 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1125 | XX | XX | XX | 24332222 | 5254328-3070 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1768 | XX | XX | XX | 24332211 | 5254158-2691 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1768 | XX | XX | XX | 24332212 | 5254158-2694 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1768 | XX | XX | XX | 24332213 | 5254158-2696 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1768 | XX | XX | XX | 24332214 | 5254158-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332255 | 5255387-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1671 | XX | XX | XX | 24332256 | 5255387-5434 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332257 | 5255387-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332258 | 5255387-5437 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332259 | 5255387-6509 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332260 | 5255387-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332261 | 5255387-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1671 | XX | XX | XX | 24332262 | 5255387-18362 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332322 | 5255249-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 1279 | XX | XX | XX | 24332323 | 5255249-5437 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332324 | 5255249-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332325 | 5255249-2688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332326 | 5255249-3078 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332327 | 5255249-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332328 | 5255249-7115 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | No | |||||||||||
| 1279 | XX | XX | XX | 24332329 | 5255249-18362 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332330 | 5255249-2212 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332331 | 5255249-2214 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332332 | 5255249-20776 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332333 | 5255249-6514 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1279 | XX | XX | XX | 24332334 | 5255249-2211 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332335 | 5254192-5438 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332336 | 5254192-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332337 | 5254192-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332338 | 5254192-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332339 | 5254192-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332340 | 5254192-1973 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332341 | 5254192-1976 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332342 | 5254192-6589 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1502 | XX | XX | XX | 24332343 | 5254192-770 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1070 | XX | XX | XX | 24332380 | 5254813-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1070 | XX | XX | XX | 24332381 | 5254813-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1070 | XX | XX | XX | 24332382 | 5254813-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Purchase | B | No | |||||||||||||
| 1093 | XX | XX | XX | 24332399 | 5255286-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1093 | XX | XX | XX | 24332400 | 5255286-4088 | 08/24/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1772 | XX | XX | XX | 24332445 | 5254383-611 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1772 | XX | XX | XX | 24332446 | 5254383-612 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL signed by all required parties is blank | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1772 | XX | XX | XX | 24332447 | 5254383-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1772 | XX | XX | XX | 24332449 | 5254383-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1772 | XX | XX | XX | 24332451 | 5254383-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1720 | XX | XX | XX | 24332453 | 5255434-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1720 | XX | XX | XX | 24332454 | 5255434-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1720 | XX | XX | XX | 24332455 | 5255434-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1720 | XX | XX | XX | 24332456 | 5255434-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1160 | XX | XX | XX | 24332478 | 5255292-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1160 | XX | XX | XX | 24332479 | 5255292-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1578 | XX | XX | XX | 24332484 | 5254819-6302 | 09/07/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1738 | XX | XX | XX | 24332495 | 5254381-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1738 | XX | XX | XX | 24332496 | 5254381-7042 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1738 | XX | XX | XX | 24332497 | 5254381-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1256 | XX | XX | XX | 24332500 | 5255311-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1256 | XX | XX | XX | 24332502 | 5255311-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1256 | XX | XX | XX | 24332503 | 5255311-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1256 | XX | XX | XX | 24332504 | 5255311-25688 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1256 | XX | XX | XX | 24332505 | 5255311-6306 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1256 | XX | XX | XX | 24332506 | 5255311-2659 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $220,557.95 is underdisclosed from calculated Finance Charge of $235,477.66 in the amount of $14,919.71. | Under disclosure is in the payments. Unable to determine the index used by lender; however the lowest index available for our look back period is 2.1938%. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1207 | XX | XX | XX | 24332508 | 5255444-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1207 | XX | XX | XX | 24332510 | 5255444-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1207 | XX | XX | XX | 24332511 | 5255444-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1207 | XX | XX | XX | 24332512 | 5255444-7040 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1207 | XX | XX | XX | 24332513 | 5255444-613 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1130 | XX | XX | XX | 24332526 | 5255457-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1130 | XX | XX | XX | 24332527 | 5255457-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1190 | XX | XX | XX | 24332533 | 5254739-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1190 | XX | XX | XX | 24332534 | 5254739-24490 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1699 | XX | XX | XX | 24332536 | 5254255-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1699 | XX | XX | XX | 24332537 | 5254255-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1699 | XX | XX | XX | 24332538 | 5254255-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1257 | XX | XX | XX | 24332547 | 5255435-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1257 | XX | XX | XX | 24332548 | 5255435-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1271 | XX | XX | XX | 24332554 | 5255308-25677 | 02/19/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1154 | XX | XX | XX | 24332558 | 5255315-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1154 | XX | XX | XX | 24332559 | 5255315-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1154 | XX | XX | XX | 24332560 | 5255315-3953 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1135 | XX | XX | XX | 24332566 | 5254737-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 1135 | XX | XX | XX | 24332567 | 5254737-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | AL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1135 | XX | XX | XX | 24332568 | 5254737-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $241,703.87 is underdisclosed from calculated Finance Charge of $243,758.45 in the amount of $2,054.58. | Unable to determine under disclosure due to missing Lender Index. Lowest Index available in the look back period is 3.7025%. | 2 | B | XX | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1135 | XX | XX | XX | 24332570 | 5254737-6306 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | AL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1422 | XX | XX | XX | 24332575 | 5254745-4087 | 03/27/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1162 | XX | XX | XX | 24332581 | 5254746-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1162 | XX | XX | XX | 24332582 | 5254746-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1162 | XX | XX | XX | 24332583 | 5254746-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1162 | XX | XX | XX | 24332584 | 5254746-2659 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $139,372.56 is underdisclosed from calculated Finance Charge of $142,746.03 in the amount of $3,373.47. | The lowest Index available in our look-back period is 3.9588%. It appears a lower index was used at time of closing | 2 | B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1133 | XX | XX | XX | 24332588 | 5254832-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1133 | XX | XX | XX | 24332589 | 5254832-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1133 | XX | XX | XX | 24332590 | 5254832-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $171,354.39 is underdisclosed from calculated Finance Charge of $171,444.24 in the amount of $89.85. | TIL Itemization did not disclose Courier Fee of $65.00 or Wire Fee of $25.00 as Prepaid Finance Charge. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1116 | XX | XX | XX | 24332592 | 5255321-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1116 | XX | XX | XX | 24332593 | 5255321-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1116 | XX | XX | XX | 24332594 | 5255321-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1116 | XX | XX | XX | 24332595 | 5255321-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1359 | XX | XX | XX | 24332596 | 5255449-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1845 | XX | XX | XX | 24332603 | 5255452-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1845 | XX | XX | XX | 24332604 | 5255452-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MT | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1845 | XX | XX | XX | 24332605 | 5255452-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1845 | XX | XX | XX | 24332606 | 5255452-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1845 | XX | XX | XX | 24332607 | 5255452-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1845 | XX | XX | XX | 24332608 | 5255452-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 1845 | XX | XX | XX | 24332610 | 5255452-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MT | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 1134 | XX | XX | XX | 24332614 | 5254741-611 | 03/30/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1134 | XX | XX | XX | 24332615 | 5254741-25686 | 03/30/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1134 | XX | XX | XX | 24332616 | 5254741-6302 | 03/30/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1292 | XX | XX | XX | 24332621 | 5254396-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1292 | XX | XX | XX | 24332622 | 5254396-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1292 | XX | XX | XX | 24332623 | 5254396-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1292 | XX | XX | XX | 24332624 | 5254396-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1292 | XX | XX | XX | 24332625 | 5254396-2647 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1625 | XX | XX | XX | 24332628 | 5254262-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1625 | XX | XX | XX | 24332629 | 5254262-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1625 | XX | XX | XX | 24332630 | 5254262-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1266 | XX | XX | XX | 24332632 | 5254744-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1189 | XX | XX | XX | 24332639 | 5254749-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1860 | XX | XX | XX | 24332641 | 5254398-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1313 | XX | XX | XX | 24332649 | 5254834-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1313 | XX | XX | XX | 24332650 | 5254834-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1126 | XX | XX | XX | 24332656 | 5255488-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1165 | XX | XX | XX | 24332654 | 5254758-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1398 | XX | XX | XX | 24332658 | 5255328-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | SC | Second Home | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1398 | XX | XX | XX | 24332659 | 5255328-25368 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) | 2 | B | XX | SC | Second Home | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1100 | XX | XX | XX | 24332665 | 5254833-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1100 | XX | XX | XX | 24332666 | 5254833-4088 | 08/24/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1100 | XX | XX | XX | 24332667 | 5254833-5445 | 08/24/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1228 | XX | XX | XX | 24332669 | 5254763-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1228 | XX | XX | XX | 24332671 | 5254763-7042 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1197 | XX | XX | XX | 24332693 | 5254772-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1301 | XX | XX | XX | 24332701 | 5255479-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 1414 | XX | XX | XX | 24332704 | 5253829-5445 | 12/03/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1414 | XX | XX | XX | 24332705 | 5253829-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1414 | XX | XX | XX | 24332706 | 5253829-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1080 | XX | XX | XX | 24332712 | 5255355-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1080 | XX | XX | XX | 24332713 | 5255355-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1080 | XX | XX | XX | 24332714 | 5255355-22137 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1163 | XX | XX | XX | 24332717 | 5254292-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | |||||||||||||
| 1163 | XX | XX | XX | 24332719 | 5254292-20780 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 1163 | XX | XX | XX | 24332720 | 5254292-6579 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 1163 | XX | XX | XX | 24332721 | 5254292-7028 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 1163 | XX | XX | XX | 24332722 | 5254292-7037 | 09/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1163 | XX | XX | XX | 24332723 | 5254292-3494 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 1163 | XX | XX | XX | 24332725 | 5254292-4967 | 09/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | |||||||||||||
| 1163 | XX | XX | XX | 24332726 | 5254292-5334 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 1223 | XX | XX | XX | 24332739 | 5255473-22866 | 03/24/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1223 | XX | XX | XX | 24332740 | 5255473-3928 | 03/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1435 | XX | XX | XX | 24332735 | 5255352-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | KY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1337 | XX | XX | XX | 24332748 | 5253545-3934 | 01/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1337 | XX | XX | XX | 24332749 | 5253545-22050 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1337 | XX | XX | XX | 24332750 | 5253545-7040 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1337 | XX | XX | XX | 24332751 | 5253545-3953 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1337 | XX | XX | XX | 24332752 | 5253545-613 | 01/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1220 | XX | XX | XX | 24332762 | 5255367-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1901 | XX | XX | XX | 27064044 | 1737162139-26039 | 06/17/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1901 | XX | XX | XX | 27064045 | 1737162139-2684 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1901 | XX | XX | XX | 27064046 | 1737162139-2687 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1901 | XX | XX | XX | 27064047 | 1737162139-1330 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1901 | XX | XX | XX | 27064048 | 1737162139-3353 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1901 | XX | XX | XX | 27064049 | 1737162139-18363 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2665 | XX | XX | XX | 27064070 | 1736845505-19966 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Copy of ECOA was provided - signed and dated 3/XX/2016 | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2665 | XX | XX | XX | 27064071 | 1736845505-25824 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | LO was not licensed at time of closing (3/XX/2016). Per NMLS, originator was not licensed until 05/XX/2020 | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2665 | XX | XX | XX | 27064072 | 1736845505-1330 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling document not provided | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2665 | XX | XX | XX | 27064073 | 1736845505-3907 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/07/2016) | Loan originated 1/XX/16 per initial 1003. LE were not sent until 3/XX/16. LEs were not mailed within 3 business days of origination. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2665 | XX | XX | XX | 27064075 | 1736845505-25818 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Loan closed 3/XX/2016. Originator was not licensed until 5/XX/20 | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2150 | XX | XX | XX | 27064020 | 1734166640-1861 | 06/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Property Insurance (Property Insurance Exceeds Replacement Value) | Maryland HB649: Property insurance exceeds the replacement value of the property. | 2 | B | XX | MD | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2458 | XX | XX | XX | 27063998 | 1733771435-2659 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $35,969.30 is underdisclosed from calculated Finance Charge of $36,575.76 in the amount of $606.46. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2252 | XX | XX | XX | 27063999 | 1733823137-3934 | 06/04/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | GFE not in the loan file. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064005 | 1733823137-1056 | 06/04/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064006 | 1733823137-25158 | 06/04/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064007 | 1733823137-24490 | 06/04/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064008 | 1733823137-3063 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064009 | 1733823137-1330 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064010 | 1733823137-2688 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064011 | 1733823137-3353 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2252 | XX | XX | XX | 27064012 | 1733823137-2666 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2014, prior to three (3) business days from transaction date of 04/XX/2014. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2252 | XX | XX | XX | 27064013 | 1733823137-2713 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2186 | XX | XX | XX | 27064089 | 1740557274-25158 | 12/19/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | WV | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2825 | XX | XX | XX | 27064062 | 4013621427-6542 | 07/01/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,714.50 exceeds tolerance of $520.00. Insufficient or no cure was provided to the borrower. (7200) | Missing Valid COC and no evidence of cure provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2540 | XX | XX | XX | 27064059 | 1734554342-5445 | 12/21/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2834 | XX | XX | XX | 27064078 | 4013852533-6572 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/07/2017) | 2 | B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2834 | XX | XX | XX | 27064079 | 4013852533-7038 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2017) | The file failed to contain evidence that a Closing Disclosure was provided to the Borrower a minimum of 3 business days prior to closing | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1906 | XX | XX | XX | 27064055 | 1734417049-20804 | 12/01/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | 2 | B | XX | MA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2342 | XX | XX | XX | 27064101 | 1735849664-2702 | 01/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | The final GFE disclosed box 8 Transfer Taxes in the amount of $508.01, but Transfer Taxes disclosed on the final HUD1 equal $509.41 with a $1.40 cure disclosed. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2342 | XX | XX | XX | 27064102 | 1735849664-2659 | 01/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $87,892.71 is underdisclosed from calculated Finance Charge of $87,931.49 in the amount of $38.78. | The Finance Charge disclosed on the final TIL was underdisclosed in the amount of $38.60. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2062 | XX | XX | XX | 27064093 | 1735755328-5430 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | A final GFE provided to the Borrower with correct loan terms is missing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2062 | XX | XX | XX | 27064094 | 1735755328-5432 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | A final GFE provided to the Borrower with correct loan terms is missing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2062 | XX | XX | XX | 27064095 | 1735755328-2694 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | A final GFE provided to the Borrower with correct loan terms is missing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2062 | XX | XX | XX | 27064096 | 1735755328-2696 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | A final GFE provided to the Borrower with correct loan terms is missing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2495 | XX | XX | XX | 27064107 | 1735996464-2684 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE dated 8/XX/15. This estimate for all other settlement charges available through 8/XX/2015. | 2 | B | XX | IN | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2495 | XX | XX | XX | 27064110 | 1735996464-3867 | 01/08/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan is missing Asset documents and waterfalling to ATR/QM documentation requirements. | 3 | C | XX | IN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2134 | XX | XX | XX | 27064120 | 1735877459-2684 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2134 | XX | XX | XX | 27064121 | 1735877459-2687 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2134 | XX | XX | XX | 27064122 | 1735877459-2702 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2134 | XX | XX | XX | 27064123 | 1735877459-4180 | 12/24/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2134 | XX | XX | XX | 27064124 | 1735877459-4162 | 01/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. | The Escrow disclosure in the loan file was not provided to the borrower within 10 days of the application date. The disclosure in file is dated 10/XX/2015. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2280 | XX | XX | XX | 27064116 | 1735753850-2684 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2280 | XX | XX | XX | 27064117 | 1735753850-2687 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2027 | XX | XX | XX | 27064165 | 4015540842-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/31/2018) | Provide proof appraisal was delivered to borrower 3 business days prior to loan consummation. | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2027 | XX | XX | XX | 27064166 | 4015540842-3882 | 08/11/2021 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Provide proof disclosure was received by borrower. Copy in file dated 5/XX/2018 has no signature. | 2 | B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2027 | XX | XX | XX | 27064168 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,187.20 exceeds tolerance of $2,707.00. Insufficient or no cure was provided to the borrower. (7200) | Missing Valid COC for Loan Amount increase that will increase points. No evidence of cure provided. | 2 | B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2027 | XX | XX | XX | 27064169 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,370.00 exceeds tolerance of $3,910.00. Insufficient or no cure was provided to the borrower. (8304) | Due to Seller CD paid Transfer Tax fee of $2,560.00. No evidence of cure provided | 2 | B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2027 | XX | XX | XX | 27064170 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77108) | $950.00 fee was not disclosed on LE and only on final Closing Disclosure. Missing Valid COC and no evidence of cure provided | 2 | B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2027 | XX | XX | XX | 27064173 | 4015540842-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Due to Points and Fees | 3 | C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2027 | XX | XX | XX | 27064175 | 4015540842-2683 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%). | Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of $XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%). | 3 | C | XX | NY | Primary | Purchase | If a creditor or assignee determines after consummation that the
total points and fees exceeds the QM Points and Fees limit, but the loan
meets the other requirements to be a QM, the QM Points and Fees exception can
be cured through a refund including interest at the contract rate from
consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January XX, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2431 | XX | XX | XX | 27064182 | 4010449900-2654 | 08/05/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2431 | XX | XX | XX | 27064183 | 4010449900-5430 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2431 | XX | XX | XX | 27064184 | 4010449900-5431 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2431 | XX | XX | XX | 27064185 | 4010449900-5432 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2431 | XX | XX | XX | 27064186 | 4010449900-2692 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2431 | XX | XX | XX | 27064187 | 4010449900-2694 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2431 | XX | XX | XX | 27064188 | 4010449900-2696 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual payment due to missing information. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2431 | XX | XX | XX | 27064190 | 4010449900-768 | 08/05/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: 08/XX/2014 | GFE';s Final is Illegible. Gfe's dated 8/19 and 9/17 have been redacted and are illegible. *** |
2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2431 | XX | XX | XX | 27064191 | 4010449900-774 | 08/05/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Original principal, interest, & MI payment is blank. | GFE Date: 08/XX/2014 | GFE';s Final is Illegible. Gfe's dated 8/19 and 9/17 have been redacted and are illegible. *** |
2 | B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2840 | XX | XX | XX | 27064198 | 1733920647-25818 | 07/21/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2840 | XX | XX | XX | 27064199 | 1733920647-2659 | 07/21/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $367,082.43 is underdisclosed from calculated Finance Charge of $367,324.27 in the amount of $241.84. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2871 | XX | XX | XX | 27064206 | 1739651646-1330 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2229 | XX | XX | XX | 27064211 | 4012238947-25158 | 08/09/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2229 | XX | XX | XX | 27064212 | 4012238947-1330 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2229 | XX | XX | XX | 27064213 | 4012238947-3880 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2229 | XX | XX | XX | 27064214 | 4012238947-19965 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure | 2 | B | XX | SC | Primary | Refinance - Rate/Term | Good faith redisclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1913 | XX | XX | XX | 27064280 | 1737351757-6542 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $44.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Point Fee of $44.59 was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. | 2 | B | XX | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2476 | XX | XX | XX | 27064310 | 1734061000-5791 | 07/22/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2476 | XX | XX | XX | 27064311 | 1734061000-2684 | 07/22/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. | 2 | B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2476 | XX | XX | XX | 27064312 | 1734061000-1330 | 07/22/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2476 | XX | XX | XX | 27064313 | 1734061000-3867 | 07/22/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Due Diligence Loan Designation of Safe Harbor QM due to calculated investor qualifying total debt ratio of 41.26363% exceeds AUS total debt ratio of 28.99000%. | 3 | C | XX | IN | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2850 | XX | XX | XX | 27064345 | 4011230640-25158 | 01/11/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2850 | XX | XX | XX | 27064346 | 4011230640-2684 | 01/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1989 | XX | XX | XX | 27064351 | 4013902673-6542 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $616.10 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The initial Loan Disclosure did not disclose a Loan Discount Points. Fee of $616.10. No cure or valid COC provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1930 | XX | XX | XX | 27064353 | 4010163241-26039 | 05/28/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | CT | Investment | Purchase | B | N/A | N/A | No | ||||||||||
| 2851 | XX | XX | XX | 27064361 | 4016317042-6572 | 07/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/16/2018) | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2851 | XX | XX | XX | 27064362 | 4016317042-6542 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,136.19 exceeds tolerance of $1,463.00. Insufficient or no cure was provided to the borrower. (7200) | Discount Fee was last disclosed as $1,463 on LE but disclosed as $5,136.19 on Final Closing Disclosure. File does not contain a valid COC for this fee. No cure is reflected on CD | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2882 | XX | XX | XX | 27064366 | 4017408566-26039 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial Loan Application not provided for review. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | |||||||||
| 2882 | XX | XX | XX | 27064367 | 4017408566-7027 | 07/05/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Initial application was not provided for review. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | |||||||||
| 2882 | XX | XX | XX | 27064369 | 4017408566-6572 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/17/2019) | Documentation of when the valuation was provided not in the file. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | |||||||||
| 2882 | XX | XX | XX | 27064370 | 4017408566-2802 | 07/05/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | |||||||||||
| 2830 | XX | XX | XX | 27064372 | 4017767878-2802 | 06/14/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||||
| 2830 | XX | XX | XX | 27064377 | 4017767878-24137 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX) | The loan is failing Temp SHQM and is testing to SHQM, which requires 2 year verification of employment history. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2830 | XX | XX | XX | 27064378 | 4017767878-25158 | 06/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2830 | XX | XX | XX | 27064379 | 4017767878-7027 | 06/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2830 | XX | XX | XX | 27064380 | 4017767878-25821 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | The file is missing the initial 1003. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2830 | XX | XX | XX | 27064381 | 4017767878-3867 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is missing final AUS; final 1008 showing AUS approved was used for review. Loan is water falling to SHQM which requires verification of two year employment history. | 3 | C | XX | CA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064382 | 4017767878-3136 | 06/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The file is missing the initial 1003. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2830 | XX | XX | XX | 27064383 | 4017767878-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/06/2019) | There is not evidence in the file that the borrower received the Closing Disclosure at least three (3) business days prior to closing. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064384 | 4017767878-6331 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-421.00. (9300) | Lender credit decreased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064386 | 4017767878-6543 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,480.00 exceeds tolerance of $2,233.00 plus 10% or $2,456.30. Insufficient or no cure was provided to the borrower. (0) | Fees added or increased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064387 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $845.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Fees added or increased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064388 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77185) | Fees added or increased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064389 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | Fees added or increased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2830 | XX | XX | XX | 27064390 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Archive Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) | Fees added or increased without a valid COC, no cure provided. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2068 | XX | XX | XX | 27064394 | 4018017257-6572 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/22/2019) | 2 | B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | ||||||||||
| 2068 | XX | XX | XX | 27064395 | 4018017257-2802 | 07/05/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | |||||||||||
| 2068 | XX | XX | XX | 27064398 | 4018017257-26039 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | ||||||||||
| 2068 | XX | XX | XX | 27064399 | 4018017257-7027 | 07/05/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | ||||||||||
| 2068 | XX | XX | XX | 27064400 | 4018017257-5445 | 07/05/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No | ||||||||||
| 2729 | XX | XX | XX | 27064414 | 4017069217-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019) | Missing initial CD. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2087 | XX | XX | XX | 27064417 | 4016953435-2802 | 07/06/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||||
| 2087 | XX | XX | XX | 27064422 | 4016953435-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2019) | The appraisal was not provided within 3 days of closing. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2087 | XX | XX | XX | 27064423 | 4016953435-25158 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2087 | XX | XX | XX | 27064424 | 4016953435-1330 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2087 | XX | XX | XX | 27064425 | 4016953435-5791 | 07/06/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2087 | XX | XX | XX | 27064426 | 4016953435-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/23/2019) | Missing initial CD. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2087 | XX | XX | XX | 27064430 | 4016953435-7027 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2087 | XX | XX | XX | 27064431 | 4016953435-25821 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2087 | XX | XX | XX | 27064432 | 4016953435-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM requirements. | 3 | C | XX | PA | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2087 | XX | XX | XX | 27064433 | 4016953435-1257 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM which allows max dti of 43%. | 3 | C | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2839 | XX | XX | XX | 27064446 | 4016223100-1329 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | Homeownership Counseling Organization List was provided on 11/XX/2018 however the list is from 10/2014. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2901 | XX | XX | XX | 27064466 | 4016520057-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019) | 2 | B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2709 | XX | XX | XX | 27064470 | 4016590849-6542 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $200.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7588) | No valid change circumstance or evidence of cure was found in the file. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2499 | XX | XX | XX | 27064478 | 4015788040-1330 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrow | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2499 | XX | XX | XX | 27064479 | 4015788040-5789 | 07/06/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Michigan CMPA Home Loan Toolkit is missing or not provided to borrower | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2499 | XX | XX | XX | 27064480 | 4015788040-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/19/2018) | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2499 | XX | XX | XX | 27064482 | 4015788040-6542 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00. Insufficient or no cure was provided to the borrower. (7200) | Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00, No | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2528 | XX | XX | XX | 27064494 | 4015659351-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/15/2018) | 2 | B | XX | MI | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2528 | XX | XX | XX | 27064495 | 4015659351-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Points and fees exceed the 3% max. | 3 | C | XX | MI | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2528 | XX | XX | XX | 27064496 | 4015659351-2683 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.79135% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,665.00 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,691.29 (an overage of $973.71 or .79135%). | Fees exceed the 3% max. | 3 | C | XX | MI | Primary | Purchase | If a creditor or assignee determines after consummation that the
total points and fees exceeds the QM Points and Fees limit, but the loan
meets the other requirements to be a QM, the QM Points and Fees exception can
be cured through a refund including interest at the contract rate from
consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January XX, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2841 | XX | XX | XX | 27064490 | 4015678086-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/28/2018) | Borrower did not receive a copy of each valuation three business days prior to consummation | 2 | B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2841 | XX | XX | XX | 27064491 | 4015678086-7115 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Deposit Disclosure disclosed initial escrow deposit as $10,770.99. Final CD reflects initial escrow deposit of $5579.65 Lender to provide corrected initial escrow deposit disclosure. | 2 | B | XX | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2819 | XX | XX | XX | 27064521 | 4015501454-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2018) | Evidence the borrowers received a copy of the appraisal at least 3 business days prior to closing, or a waiver is not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2838 | XX | XX | XX | 27064557 | 4015619463-28247 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | ||||||||||
| 2771 | XX | XX | XX | 27064572 | 4015330633-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/26/2018) | Evidence of when the borrower received a copy of the appraisal report is missing from the file. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2771 | XX | XX | XX | 27064573 | 4015330633-7115 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial escrow disclosure reports the starting balance to be $1,094.17. The final CD reports the estimated escrows over 1 year to be $3,282.36 with a monthly payment of $273.53 | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2771 | XX | XX | XX | 27064574 | 4015330633-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/05/2018) | Closing disclosure not provided at least 3 days before closing. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2771 | XX | XX | XX | 27064575 | 4015330633-26033 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/30/2018) | Loan estimate not delivered to borrower within 3 days of application. Initial LE was electronically singed on 04/XX/2018 however the eSign agreement is dated 05/XX/2018. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2771 | XX | XX | XX | 27064576 | 4015330633-6331 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,039.87 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,529.00. (9300) | Missing a valid CIC and No cure provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2771 | XX | XX | XX | 27064577 | 4015330633-6543 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,314.00 exceeds tolerance of $536.00 plus 10% or $589.60. Insufficient or no cure was provided to the borrower. (0) | Missing a valid CIC and no cure provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2771 | XX | XX | XX | 27064583 | 4015330633-6677 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements. | 3 | C | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2771 | XX | XX | XX | 27064584 | 4015330633-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements. | 3 | C | XX | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2771 | XX | XX | XX | 27064586 | 4015330633-24490 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage payoff not provided in file. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2691 | XX | XX | XX | 27064589 | 4015272483-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/05/2018) | 2 | B | XX | OK | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2691 | XX | XX | XX | 27064591 | 4015272483-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements. | 3 | C | XX | OK | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2691 | XX | XX | XX | 27064592 | 4015272483-2683 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.15574% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,571.50 on a Federal Total Loan Amount of $XX vs. an allowable total of $5,296.54 (an overage of $274.96 or .15574%). | The QM point and fees exceeds the allowable threshold. | 3 | C | XX | OK | Primary | Purchase | If a creditor or assignee determines after consummation that the
total points and fees exceeds the QM Points and Fees limit, but the loan
meets the other requirements to be a QM, the QM Points and Fees exception can
be cured through a refund including interest at the contract rate from
consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January XX, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer |
C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2892 | XX | XX | XX | 27064601 | 4015242223-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/09/2018) | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2433 | XX | XX | XX | 27064602 | 4015301632-6572 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/30/2018) | 2 | B | XX | KY | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2496 | XX | XX | XX | 27064606 | 4015003584-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2018) | Per documentation in the file, the initial CD was issued and delivered 5/XX/2018. This CD was missing from the file. | 2 | B | XX | MI | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2334 | XX | XX | XX | 27064622 | 4014973194-1330 | 06/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2334 | XX | XX | XX | 27064623 | 4014973194-26033 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/26/2018) | Initial LE electronically received 03/XX/2018. Earliest e-consent located in the file was accepted 04/XX/2018. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2334 | XX | XX | XX | 27064625 | 4014973194-3867 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is not eligible for purchase due to missing final AUS and insufficient assets. | 3 | C | XX | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2334 | XX | XX | XX | 27064626 | 4014973194-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/20/2018) | Initial CD issued 04/XX/2018 was not signed or dated so unable to determine date received. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2854 | XX | XX | XX | 27064649 | 4014605863-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||||
| 2854 | XX | XX | XX | 27064653 | 4014605863-32344 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 5,884.89 on Final Closing Disclosure provided on 02/XX/2018 not accurate. (Final/XX/19/2018) | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2854 | XX | XX | XX | 27064654 | 4014605863-6331 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4.50 is less than amount of binding Lender Credit previously disclosed in the amount of $-435.00. (9300) | The lender credit decreased without a valid COC. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2854 | XX | XX | XX | 27064655 | 4014605863-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,189.66 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan discount points Fee of $1,189.66 exceeds tolerance of $0.00 and no COC or cure was provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2854 | XX | XX | XX | 27064656 | 4014605863-7027 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2854 | XX | XX | XX | 27064657 | 4014605863-25821 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2854 | XX | XX | XX | 27064658 | 4014605863-3136 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing initial application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2768 | XX | XX | XX | 27064668 | 4014431693-6677 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | Loan waterfalls to QM testing due to missing Appraisal Report that was required by the AUS. | 3 | C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2768 | XX | XX | XX | 27064669 | 4014431693-3867 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Waterfalls to QM testing due to missing the Appraisal Report | 3 | C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2768 | XX | XX | XX | 27064670 | 4014431693-1257 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfalls to QM testing due to missing the Appraisal Report. | 3 | C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2768 | XX | XX | XX | 27064671 | 4014431693-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/11/2018) | The calculated date of delivery is 01/XX/2018. Missing evidence of the date the Initial Disclosure was received by the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2900 | XX | XX | XX | 27064676 | 4014206851-19966 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | 2 | B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2900 | XX | XX | XX | 27064677 | 4014206851-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2900 | XX | XX | XX | 27064678 | 4014206851-3136 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | 2 | B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2900 | XX | XX | XX | 27064679 | 4014206851-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/29/2017) | Evidence of earlier borrower receipt was not found in file. | 2 | B | XX | HI | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2900 | XX | XX | XX | 27064680 | 4014206851-3907 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/31/2017) | Evidence of earlier borrower receipt was not found in file. | 2 | B | XX | HI | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2106 | XX | XX | XX | 27064683 | 4014472327-25677 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2106 | XX | XX | XX | 27064684 | 4014472327-3136 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The document is not provided within the required timeframe. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2264 | XX | XX | XX | 27064686 | 4014172665-6572 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2017) | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2264 | XX | XX | XX | 27064687 | 4014172665-1330 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2264 | XX | XX | XX | 27064688 | 4014172665-26033 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 10/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/10/2017) | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2474 | XX | XX | XX | 27064692 | 4014178782-1330 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2474 | XX | XX | XX | 27064693 | 4014178782-26033 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/14/2017) | Evidence of earlier borrower receipt was not found in file. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2474 | XX | XX | XX | 27064694 | 4014178782-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/07/2017) | Evidence of earlier borrower receipt was not found in file. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2474 | XX | XX | XX | 27064695 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,410.50 exceeds tolerance of $661.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $661.00 on LE but disclosed as $1,410.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2474 | XX | XX | XX | 27064696 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7563) | Title - Document Preparation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2474 | XX | XX | XX | 27064697 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2474 | XX | XX | XX | 27064698 | 4014178782-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||||
| 2474 | XX | XX | XX | 27064699 | 4014178782-7027 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2474 | XX | XX | XX | 27064700 | 4014178782-25821 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2474 | XX | XX | XX | 27064701 | 4014178782-19966 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Right to received appraisal within 3 days was issued, signed by the consumer on 11/XX/2017 | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2360 | XX | XX | XX | 27064705 | 4013571109-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Final Inspection Fee was not initially disclosed to the borrower and the final CD shows a fee of $175. No COC or cure provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2360 | XX | XX | XX | 27064706 | 4013571109-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/21/2017) | Initial CD is dated 8/XX/2017 however is not signed by the borrower. Unable to determine if the borrower received the initial CD at least 3 days prior to close. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1894 | XX | XX | XX | 27064707 | 4013903177-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 is not signed by either the Borrower or LO. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 1894 | XX | XX | XX | 27064711 | 4013903177-3867 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan file is missing the Appraisal therefore All conditions are not met and loan would not be Agency Saleable. | 3 | C | XX | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2700 | XX | XX | XX | 27064732 | 4013457785-4087 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | ABA signed at closing is the Title Company ABA and not the Lender's ABA. Lender ABA is required to be signed by the borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1902 | XX | XX | XX | 27064735 | 4014453292-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1902 | XX | XX | XX | 27064736 | 4014453292-22274 | 07/07/2022 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%. | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1902 | XX | XX | XX | 27064737 | 4014453292-32344 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 6,864.01 on Final Closing Disclosure provided on 10/XX/2017 not accurate. (Final/XX/23/2017) | Annual homeowners walls in protection premium of $253.00 and monthly HOA condo fee $572.00 not included in monthly escrow. Total estimated non escrow monthly expense should be $7,116.96 | 2 | B | XX | MA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1902 | XX | XX | XX | 27064738 | 4014453292-23895 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/18/2017) | Missing proof of timely receipt of the final revised loan estimate dated 10/XX/2017 | 2 | B | XX | MA | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1902 | XX | XX | XX | 27064739 | 4014453292-22522 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2017). (Final/XX/23/2017) | Final closing disclosure reflects a total of payments in the loan calculation section of $772,285.63, audit calculated TOP is $774,24.32 | 2 | B | XX | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1902 | XX | XX | XX | 27064740 | 4014453292-4436 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/25/2017) | 2 | B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2145 | XX | XX | XX | 27064748 | 4012901339-6572 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/21/2017) | Documentation of when the appraisal was received was not provided for review. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2145 | XX | XX | XX | 27064749 | 4012901339-4180 | 07/07/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2145 | XX | XX | XX | 27064750 | 4012901339-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2145 | XX | XX | XX | 27064751 | 4012901339-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided for review. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2842 | XX | XX | XX | 27064756 | 1740851463-6572 | 07/08/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2017) | Missing verification of borrower's receipt of appraisal. | 2 | B | XX | CA | Investment | Purchase | B | N/A | N/A | No | |||||||||
| 2843 | XX | XX | XX | 27064799 | 1740285198-1330 | 07/08/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2702 | XX | XX | XX | 27064816 | 1738785112-25158 | 07/08/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2702 | XX | XX | XX | 27064817 | 1738785112-25818 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | Search on NMLS.com did not return a license for the Loan Originator with the Origination Company. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2702 | XX | XX | XX | 27064819 | 1738785112-4436 | 07/08/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/20/2016) | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2702 | XX | XX | XX | 27064820 | 1738785112-2654 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Search on NMLS.com did not return a license for the Loan Originator with the Origination Company. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2737 | XX | XX | XX | 27064824 | 1738907833-7038 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/01/2016) | File contains the Final CD dated 7.XX16 signed at closing on 7XX16. No earlier CD was provided in the loan file. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2845 | XX | XX | XX | 27064826 | 1739224691-32367 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,740.60 on Final Closing Disclosure provided on 06/XX/2016 not accurate. (Final/XX/30/2016) | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,740.60 on page 4, however the HOA dues are $1,740 per year. | 2 | B | XX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2263 | XX | XX | XX | 27064830 | 4011836547-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $190.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | File does not contain a valid COC for this fee, nor evidence of cure in file. | 2 | B | XX | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2263 | XX | XX | XX | 27064832 | 4011836547-7038 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2016) | Evidence of earlier borrower receipt was not provided. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1940 | XX | XX | XX | 27064853 | 1737157413-6415 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2016 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/20/2016) | Final CD missing Lender NMLS ID | 2 | B | XX | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1940 | XX | XX | XX | 27064854 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,880.00 exceeds tolerance of $2,304.00. Insufficient or no cure was provided to the borrower. (7200) | No COC or cure was provided to the Borrower for tolerance overages. | 2 | B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1940 | XX | XX | XX | 27064855 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | No COC or cure was provided to the Borrower for tolerance overages. | 2 | B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1940 | XX | XX | XX | 27064856 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7520) | No COC or cure was provided to the Borrower for tolerance overages. | 2 | B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1940 | XX | XX | XX | 27064859 | 1737157413-6307 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2016). (Final/XX/20/2016) | Total of Payments disclosed is $413,871.31. Calculated Total of Payments is $414,007.43. Variance of $136.12. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2129 | XX | XX | XX | 27064865 | 1737163114-24729 | 07/08/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | XX | MD | Investment | Refinance - Rate/Term | B | N/A | N/A | No | ||||||||||
| 2129 | XX | XX | XX | 27064866 | 1737163114-4180 | 07/08/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Investment | Refinance - Rate/Term | B | N/A | N/A | No | ||||||||||
| 2109 | XX | XX | XX | 27064879 | 1736845905-6346 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/08/2016) | Informational only - final CD shows the escrowed taxes in the Other category rather than the tax category. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2109 | XX | XX | XX | 27064880 | 1736845905-2802 | 06/23/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||||
| 2109 | XX | XX | XX | 27064881 | 1736845905-7027 | 06/23/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2016 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2109 | XX | XX | XX | 27064882 | 1736845905-25821 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2109 | XX | XX | XX | 27064883 | 1736845905-26033 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2016 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/01/2016) | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2109 | XX | XX | XX | 27064884 | 1736845905-3136 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The file is missing a signed/dated initial 1003 to provide the application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2301 | XX | XX | XX | 27064892 | 1736851357-32342 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 2,414.06 on Final Closing Disclosure provided on 02/XX/2016 not accurate. (Final/XX/23/2016) | Monthly escrow of $219.46 X 12 months = $2,633.52 costs for 1 year but, CD has inaccurate amount of $2,414.06 as 1 year escrowed costs | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 1992 | XX | XX | XX | 27064928 | 4011482325-25824 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | Per NMLS consumer access the loan originator license status 9/XX/2015 was not active at time of application 09/XX/2015 | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1992 | XX | XX | XX | 27064929 | 4011482325-25677 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Evidence the Affiliated Business Arrangement was provided to applicant within three days was missing from the loan file. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1992 | XX | XX | XX | 27064930 | 4011482325-2647 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of right to cancel was not provided prior to expected date as guideline requirements. Date of transaction is 12/XX/2015 and ROR reflects 12/XX/2015 | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2603 | XX | XX | XX | 27064936 | 1735993580-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2033 | XX | XX | XX | 27064941 | 1736067701-21706 | 07/11/2022 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | 2 | B | XX | NY | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2033 | XX | XX | XX | 27064942 | 1736067701-23895 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/10/2015) | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2033 | XX | XX | XX | 27064943 | 1736067701-4376 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015) | Disclosed Finance Charges are $264,785.07. Due Diligence Finance Charges are $265,053.16. There is a variance of $149.96. | 2 | B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2033 | XX | XX | XX | 27064944 | 1736067701-7038 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/10/2015) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2033 | XX | XX | XX | 27064945 | 1736067701-3988 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing. (Interim/XX/10/2015) | Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2033 | XX | XX | XX | 27064946 | 1736067701-6307 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015) | Disclosure reflects TOP of $607,812.02 but calculated TOP of $608,063.87. Variance = $251.85. | 2 | B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2033 | XX | XX | XX | 27064947 | 1736067701-6542 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7772) | Valid COC or cure is not provided for Good Standing Cert/Filing Fee on final CD that was not previously disclosed. | 2 | B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2875 | XX | XX | XX | 27064948 | 1735786098-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Initial GFE is dated 10/XX/2015 with an Estimated Settlement Charges through date of 9/XX/2015 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2875 | XX | XX | XX | 27064949 | 1735786098-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Application was taken on 8/XX/2015 but, earliest GFE provided is 10/XX/2015 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2321 | XX | XX | XX | 27064960 | 1735785266-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2321 | XX | XX | XX | 27064961 | 1735785266-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2321 | XX | XX | XX | 27064962 | 1735785266-3078 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2321 | XX | XX | XX | 27064963 | 1735785266-3079 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2321 | XX | XX | XX | 27064964 | 1735785266-2702 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2820 | XX | XX | XX | 27064990 | 1735676081-3074 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Initial escrow disclosure amount of $501..86 does not match 08/XX/15 TIL of $507.20 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2820 | XX | XX | XX | 27064991 | 1735676081-3071 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | Initial escrow disclosure amount of $501..83 does not match 08/XX/15 TIL escrow amount of $507.20 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2023 | XX | XX | XX | 27064997 | 1735609259-21706 | 07/11/2022 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | Per the Note on file, the late charge is 5.000%, which exceeds the state maximum of 2%. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2580 | XX | XX | XX | 27065001 | 1735437301-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The initial 1003 was missing from the file. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065003 | 1735437301-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065004 | 1735437301-7027 | 07/11/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065005 | 1735437301-25821 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065006 | 1735437301-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065007 | 1735437301-3078 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2580 | XX | XX | XX | 27065008 | 1735437301-18363 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application missing from the file. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2580 | XX | XX | XX | 27065009 | 1735437301-3136 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application missing from the file. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 1905 | XX | XX | XX | 27065032 | 1735216163-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||||
| 1905 | XX | XX | XX | 27065036 | 1735216163-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1905 | XX | XX | XX | 27065037 | 1735216163-5445 | 07/11/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1905 | XX | XX | XX | 27065038 | 1735216163-1330 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1905 | XX | XX | XX | 27065039 | 1735216163-2688 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1905 | XX | XX | XX | 27065040 | 1735216163-3353 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 1905 | XX | XX | XX | 27065041 | 1735216163-18363 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | RESPA Servicing Disclosure is dated 4/XX/2015 and it is not within 3 days of application. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2889 | XX | XX | XX | 27065051 | 1735166750-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | |||||||||||
| 2889 | XX | XX | XX | 27065058 | 1735166750-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | ||||||||||
| 2889 | XX | XX | XX | 27065059 | 1735166750-7027 | 07/11/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No | ||||||||||
| 2852 | XX | XX | XX | 27065063 | 1735119491-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE was issued on 04/XX/2015, less than 10 business days from closing date 04/XX/2015. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2852 | XX | XX | XX | 27065064 | 1735119491-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | GFE was issued on 04/XX/2015, more than 3 business days from Application date 03/XX/2015. | 2 | B | XX | CA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2714 | XX | XX | XX | 27065078 | 1734926295-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2714 | XX | XX | XX | 27065079 | 1734926295-3071 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | There is a $0.03 monthly difference due to rounding of the HOI. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2714 | XX | XX | XX | 27065080 | 1734926295-3074 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | There is a $0.03 monthly difference due to rounding of the HOI. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2579 | XX | XX | XX | 27065102 | 1735111968-5430 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | GFE reflects a credit of $437.88 in Block 2 and the HUD reflects discount points of $162.36. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2579 | XX | XX | XX | 27065103 | 1735111968-5432 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | GFE reflects a credit of $437.88 in Block A and the HUD reflects a charge of $162.36. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 2579 | XX | XX | XX | 27065104 | 1735111968-2694 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | GFE loan amount is $XX and Note loan amount is $XX | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2579 | XX | XX | XX | 27065105 | 1735111968-2696 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | GFE initial payment is $1,049.87 and the actual payment is $1,061.34. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2579 | XX | XX | XX | 27065106 | 1735111968-2685 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | The GFE column on page 3 of the final HUD-1 reflects points of $162.36 and the GFE reflects a credit of $437.88. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2579 | XX | XX | XX | 27065107 | 1735111968-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Missing initial 1003 signed by the Borrower and/or Loan Originator. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2046 | XX | XX | XX | 27065112 | 1734988107-7087 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2663 | XX | XX | XX | 27065119 | 4010625842-25158 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2663 | XX | XX | XX | 27065120 | 4010625842-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2663 | XX | XX | XX | 27065121 | 4010625842-2696 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2663 | XX | XX | XX | 27065122 | 4010625842-3141 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2663 | XX | XX | XX | 27065124 | 4010625842-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements. | 3 | C | XX | LA | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2178 | XX | XX | XX | 27065130 | 1734638356-3934 | 07/12/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||||
| 2178 | XX | XX | XX | 27065131 | 1734638356-25158 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2178 | XX | XX | XX | 27065132 | 1734638356-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2178 | XX | XX | XX | 27065133 | 1734638356-2688 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2178 | XX | XX | XX | 27065134 | 1734638356-3353 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2178 | XX | XX | XX | 27065136 | 1734638356-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2178 | XX | XX | XX | 27065137 | 1734638356-25030 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. | 3 | C | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2178 | XX | XX | XX | 27065138 | 1734638356-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. | 3 | C | XX | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2178 | XX | XX | XX | 27065139 | 1734638356-1257 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. | 3 | C | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2178 | XX | XX | XX | 27065140 | 1734638356-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Disclosure not provided within 3 business days of application date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2753 | XX | XX | XX | 27065144 | 1734481108-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2753 | XX | XX | XX | 27065145 | 1734481108-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2753 | XX | XX | XX | 27065146 | 1734481108-3071 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2753 | XX | XX | XX | 27065147 | 1734481108-3074 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2907 | XX | XX | XX | 27065149 | 1734417327-5431 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2907 | XX | XX | XX | 27065150 | 1734417327-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2058 | XX | XX | XX | 27065179 | 4010458956-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2058 | XX | XX | XX | 27065180 | 4010458956-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Due Diligence Loan Designation of Safe Harbor QM due to missing asset documentation | 3 | C | XX | PA | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2058 | XX | XX | XX | 27065181 | 4010458956-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | The RESPA Servicing Disclosure was provided to and signed by the borrower at closing on 09/XX/2014. | 2 | B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2828 | XX | XX | XX | 27065195 | 4010545232-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||||
| 2828 | XX | XX | XX | 27065201 | 4010545232-6677 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | Missing verification of two year employment history. | 3 | C | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2828 | XX | XX | XX | 27065202 | 4010545232-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | The loan is failing Temp SHQM due to insufficient income and asset documentation. | 3 | C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | ||||||||
| 2828 | XX | XX | XX | 27065203 | 4010545232-1257 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is failing Temp SHQM and is waterfalling to ATR/QM which allows max dti of 43%. | 3 | C | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | |||||||||
| 2328 | XX | XX | XX | 27065190 | 4010346130-2794 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | The P&I payment disclosed on the HUD1 is $1,859.45 vs. the actual payment of $1,858.59. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2328 | XX | XX | XX | 27065191 | 4010346130-3353 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2740 | XX | XX | XX | 27065213 | 4010388786-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065214 | 4010388786-7027 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065215 | 4010388786-25821 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065216 | 4010388786-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065217 | 4010388786-2687 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065218 | 4010388786-25677 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065219 | 4010388786-3078 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065220 | 4010388786-3136 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application Date is missing, the Homeownership Counseling List is dated 6/XX/2014. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2740 | XX | XX | XX | 27065221 | 4010388786-2802 | 07/12/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Missing initial 1003 signed and dated by LO with accurate date determining application date. Borrower’s LOX attached with initial 1003 stated year signed was meant to be 11/XX/2013, not 2014. However, LO signed 11/XX/2014. Thus, captured as is. Since signed date is after note date of 7/XX/14, marking initial 1003 missing for this reason. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||||
| 2740 | XX | XX | XX | 27065223 | 4010388786-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine initial application date since signed date was incorrect noted from LOX. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | |||||||||
| 2740 | XX | XX | XX | 27065224 | 4010388786-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan is not agency saleable due to the source of the gift funds not provided in the loan file | 3 | C | XX | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | ||||||||
| 2111 | XX | XX | XX | 27065249 | 1734066570-25818 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2111 | XX | XX | XX | 27065250 | 1734066570-25824 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2111 | XX | XX | XX | 27065251 | 1734066570-2666 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2014, prior to three (3) business days from transaction date of 05/XX/2014. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2111 | XX | XX | XX | 27065252 | 1734066570-2647 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2457 | XX | XX | XX | 27065255 | 4010195708-2773 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | The Settlement Service Provider List was not dated, the date the borrower signed the list was used which is the day after the date of the Good Faith Estimate. | 2 | B | XX | OH | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 2026 | XX | XX | XX | 27065262 | 1734161896-7087 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||||
| 2035 | XX | XX | XX | 27065302 | 1700704263-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1898 | XX | XX | XX | 27065315 | 1705574223-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1898 | XX | XX | XX | 27065316 | 1705574223-23495 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1898 | XX | XX | XX | 27065317 | 1705574223-23494 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 2325 | XX | XX | XX | 27065318 | 1706767084-4967 | 11/13/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2325 | XX | XX | XX | 27065321 | 1706767084-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2325 | XX | XX | XX | 27065322 | 1706767084-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2325 | XX | XX | XX | 27065323 | 1706767084-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2325 | XX | XX | XX | 27065325 | 1706767084-2659 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $378,228.77 is underdisclosed from calculated Finance Charge of $378,329.81 in the amount of $101.04. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1993 | XX | XX | XX | 27065327 | 1703137613-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2271 | XX | XX | XX | 27065336 | 4005710290-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2271 | XX | XX | XX | 27065337 | 4005710290-2666 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2271 | XX | XX | XX | 27065338 | 4005710290-2647 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2138 | XX | XX | XX | 27065334 | 4005700332-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2152 | XX | XX | XX | 27065341 | 4005839238-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2152 | XX | XX | XX | 27065342 | 4005839238-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2165 | XX | XX | XX | 27065347 | 4005659186-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2888 | XX | XX | XX | 27065343 | 1703258814-6576 | 09/14/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 2888 | XX | XX | XX | 27065344 | 1703258814-7027 | 09/14/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 2888 | XX | XX | XX | 27065345 | 1703258814-4088 | 09/14/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 2426 | XX | XX | XX | 27065349 | 1704920910-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2426 | XX | XX | XX | 27065350 | 1704920910-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2894 | XX | XX | XX | 27065357 | 350776-733-25677 | 11/05/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2270 | XX | XX | XX | 27065359 | 4005415418-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 2270 | XX | XX | XX | 27065360 | 4005415418-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 2270 | XX | XX | XX | 27065361 | 4005415418-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2270 | XX | XX | XX | 27065362 | 4005415418-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2270 | XX | XX | XX | 27065363 | 4005415418-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2270 | XX | XX | XX | 27065364 | 4005415418-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2497 | XX | XX | XX | 27065366 | 1702926350-7027 | 11/09/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2497 | XX | XX | XX | 27065367 | 1702926350-1974 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2497 | XX | XX | XX | 27065368 | 1702926350-1977 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2497 | XX | XX | XX | 27065369 | 1702926350-6589 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2497 | XX | XX | XX | 27065370 | 1702926350-2659 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $299,230.45 is underdisclosed from calculated Finance Charge of $299,844.99 in the amount of $614.54. | The under disclosure is due to the following fees included in Finance Charges not included on the Itemization of Amount Financed: Commitment Fee $375 and Funding Fee $20, totals $395. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2778 | XX | XX | XX | 27065371 | 1704056272-25677 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2372 | XX | XX | XX | 27065376 | 4005227981-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2758 | XX | XX | XX | 27065374 | 1704072188-5445 | 11/17/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2758 | XX | XX | XX | 27065375 | 1704072188-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2681 | XX | XX | XX | 27065384 | 4004984057-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2681 | XX | XX | XX | 27065385 | 4004984057-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2163 | XX | XX | XX | 27065387 | 4004831648-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2479 | XX | XX | XX | 27065390 | 1700194938-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IN | Primary | Purchase | D | No | ||||||||||||
| 2479 | XX | XX | XX | 27065391 | 1700194938-6576 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | IN | Primary | Purchase | D | No | ||||||||||||
| 2479 | XX | XX | XX | 27065393 | 1700194938-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | D | No | ||||||||||||
| 2160 | XX | XX | XX | 27065394 | 4004560331-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2160 | XX | XX | XX | 27065395 | 4004560331-2489 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2160 | XX | XX | XX | 27065396 | 4004560331-25688 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2160 | XX | XX | XX | 27065397 | 4004560331-6302 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2160 | XX | XX | XX | 27065398 | 4004560331-6419 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.44600% is underdisclosed from calculated APR of 6.88935% outside of 0.250% tolerance. | 2 | B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 2160 | XX | XX | XX | 27065399 | 4004560331-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $382,126.94 is underdisclosed from calculated Finance Charge of $422,958.49 in the amount of $40,831.55. | It appears the Lender utilized a lower index at origination than the 3.59% available during the look-back period. | 2 | B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2407 | XX | XX | XX | 27065403 | 1698936480-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2407 | XX | XX | XX | 27065404 | 1698936480-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $36,612.98 is underdisclosed from calculated Finance Charge of $36,660.71 in the amount of $47.73. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2236 | XX | XX | XX | 27065418 | 1694196856-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2245 | XX | XX | XX | 27065406 | 4003410085-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | UTD | UTD - UTD | D | No | |||||||||||||
| 2245 | XX | XX | XX | 27065407 | 4003410085-18330 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | UTD - UTD | D | No | |||||||||||||
| 2245 | XX | XX | XX | 27065409 | 4003410085-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | GA | UTD | UTD - UTD | D | No | ||||||||||||
| 2245 | XX | XX | XX | 27065410 | 4003410085-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | UTD | UTD - UTD | D | No | ||||||||||||
| 2245 | XX | XX | XX | 27065411 | 4003410085-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | UTD | UTD - UTD | D | No | ||||||||||||
| 2245 | XX | XX | XX | 27065412 | 4003410085-22137 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | UTD | UTD - UTD | D | No | ||||||||||||
| 2245 | XX | XX | XX | 27065413 | 4003410085-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2245 | XX | XX | XX | 27065414 | 4003410085-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | UTD | UTD - UTD | D | No | ||||||||||||
| 2245 | XX | XX | XX | 27065415 | 4003410085-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | UTD | UTD - UTD | D | No | |||||||||||||
| 1926 | XX | XX | XX | 27065425 | 1693409488-7039 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2678 | XX | XX | XX | XX | 27065431 | 1698050744-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AR | Primary | Purchase | B | No | |||||||||||
| 2107 | XX | XX | XX | 27065432 | 4003511973-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2107 | XX | XX | XX | 27065433 | 4003511973-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2633 | XX | XX | XX | 27065435 | 4003355725-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2367 | XX | XX | XX | 27065445 | 4003304321-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2584 | XX | XX | XX | 27065446 | 4003342920-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $184,434.22 is underdisclosed from calculated Finance Charge of $184,744.01 in the amount of $309.79. | The TIL itemization did not disclose a settlement fee of $365, but did include a credit report fee of $55 as prepaid finance charges. | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2243 | XX | XX | XX | 27065447 | 4003298838-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2265 | XX | XX | XX | 27065448 | 4003342985-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 2265 | XX | XX | XX | 27065449 | 4003342985-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2368 | XX | XX | XX | 27065458 | 4003220140-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 2368 | XX | XX | XX | 27065460 | 4003220140-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 2368 | XX | XX | XX | 27065461 | 4003220140-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2368 | XX | XX | XX | 27065462 | 4003220140-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2368 | XX | XX | XX | 27065463 | 4003220140-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2368 | XX | XX | XX | 27065464 | 4003220140-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2128 | XX | XX | XX | 27065466 | 4003292100-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2128 | XX | XX | XX | 27065467 | 4003292100-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2595 | XX | XX | XX | 27065468 | 4003197104-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $247,723.01 is underdisclosed from calculated Finance Charge of $247,867.90 in the amount of $144.89. | TIL Itemization did not disclose $275.00 Settlement Fee as a Prepaid Finance Charge. | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2361 | XX | XX | XX | 27065469 | 4003158859-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2369 | XX | XX | XX | 27065480 | 4003061658-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2411 | XX | XX | XX | 27065481 | 4003032865-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2256 | XX | XX | XX | 27065483 | 4003062097-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 2450 | XX | XX | XX | 27065486 | 4003062011-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2450 | XX | XX | XX | 27065487 | 4003062011-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2696 | XX | XX | XX | 27065484 | 4003087552-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2306 | XX | XX | XX | 27065499 | 4002930900-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2703 | XX | XX | XX | 27065504 | 4002764541-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2703 | XX | XX | XX | 27065505 | 4002764541-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2413 | XX | XX | XX | 27065507 | 4002593654-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,825.33 is underdisclosed from calculated Finance Charge of $89,065.45 in the amount of $240.12. | Unable to determine reason for under disclosure due to missing itemization of amount financed. | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2413 | XX | XX | XX | 27065508 | 4002593654-3928 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065521 | 1731698899-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065522 | 1731698899-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065523 | 1731698899-28193 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065524 | 1731698899-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065525 | 1731698899-2687 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065526 | 1731698899-2691 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065527 | 1731698899-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065528 | 1731698899-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065529 | 1731698899-2706 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065530 | 1731698899-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065531 | 1731698899-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065532 | 1731698899-18362 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2067 | XX | XX | XX | 27065533 | 1731698899-3078 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065544 | 1730400122-770 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2775 | XX | XX | XX | 27065545 | 1730400122-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065546 | 1730400122-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065547 | 1730400122-5430 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2775 | XX | XX | XX | 27065548 | 1730400122-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2775 | XX | XX | XX | 27065549 | 1730400122-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065550 | 1730400122-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065551 | 1730400122-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065552 | 1730400122-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065553 | 1730400122-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065554 | 1730400122-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065555 | 1730400122-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065556 | 1730400122-6223 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2775 | XX | XX | XX | 27065557 | 1730400122-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1974 | XX | XX | XX | 27065577 | 1709251426-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2162 | XX | XX | XX | 27065581 | 4005849093-25686 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2162 | XX | XX | XX | 27065582 | 4005849093-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $305,799.47 is underdisclosed from calculated Finance Charge of $334,676.02 in the amount of $28,876.55. | Under disclosure is payment stream related due to index and Low Down Payment Rider; minimum index available within the lookback period used for testing purposes. | 2 | B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2162 | XX | XX | XX | 27065583 | 4005849093-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | VA | Primary | Purchase | B | No | |||||||||||||
| 2162 | XX | XX | XX | 27065584 | 4005849093-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2162 | XX | XX | XX | 27065585 | 4005849093-6306 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2848 | XX | XX | XX | 27065586 | 1705962477-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2794 | XX | XX | XX | 27065595 | 1733392408-2713 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065587 | 1733392411-2687 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065588 | 1733392411-2696 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065589 | 1733392411-4087 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065590 | 1733392411-25677 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065591 | 1733392411-3070 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065592 | 1733392411-3140 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Application date on 1003 is 7/XX/13. | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||
| 2471 | XX | XX | XX | 27065593 | 1733392411-3071 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2471 | XX | XX | XX | 27065594 | 1733392411-3074 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2620 | XX | XX | XX | 27065598 | 1714823099-4967 | 05/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | |||||||||||||
| 2620 | XX | XX | XX | 27065600 | 1714823099-3934 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | UTD | UTD - UTD | D | No | |||||||||||||
| 2620 | XX | XX | XX | 27065601 | 1714823099-18330 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | |||||||||||||
| 2620 | XX | XX | XX | 27065603 | 1714823099-25158 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065604 | 1714823099-20780 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2011 used as disbursement date for compliance testing. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065605 | 1714823099-6579 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065606 | 1714823099-7028 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065607 | 1714823099-5334 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065608 | 1714823099-28193 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065609 | 1714823099-3063 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065610 | 1714823099-2688 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065611 | 1714823099-3353 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2620 | XX | XX | XX | 27065612 | 1714823099-7037 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2620 | XX | XX | XX | 27065613 | 1714823099-3494 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | UTD | UTD - UTD | D | No | ||||||||||||
| 2697 | XX | XX | XX | 27065625 | 1716615190-3071 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2697 | XX | XX | XX | 27065626 | 1716615190-3074 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2444 | XX | XX | XX | 27065627 | 1714492866-2684 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2425 | XX | XX | XX | 27065629 | 4007627193-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MS | Primary | UTD - UTD | D | No | |||||||||||||
| 2425 | XX | XX | XX | 27065631 | 4007627193-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MS | Primary | UTD - UTD | D | No | |||||||||||||
| 2425 | XX | XX | XX | 27065633 | 4007627193-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MS | Primary | UTD - UTD | D | No | ||||||||||||
| 2425 | XX | XX | XX | 27065634 | 4007627193-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MS | Primary | UTD - UTD | D | No | ||||||||||||
| 2425 | XX | XX | XX | 27065635 | 4007627193-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to determine if the loan is subject to rescission due to missing information (unable to determine construction refinance type). | 2 | B | XX | MS | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2425 | XX | XX | XX | 27065636 | 4007627193-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MS | Primary | UTD - UTD | D | No | ||||||||||||
| 2543 | XX | XX | XX | 27065637 | 1712045690-25158 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2543 | XX | XX | XX | 27065638 | 1712045690-2692 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2543 | XX | XX | XX | 27065639 | 1712045690-2696 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2543 | XX | XX | XX | 27065640 | 1712045690-2773 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2543 | XX | XX | XX | 27065641 | 1712045690-3067 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA Pre-Disclosure Activity - Fees collected prior to TIL disclosure | Truth in Lending Act (Early TIL Disclosure): Fees, other than for a credit report, charged before early TIL disclosure received by borrower. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2543 | XX | XX | XX | 27065642 | 1712045690-3141 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2083 | XX | XX | XX | 27065643 | 1707435759-611 | 05/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2261 | XX | XX | XX | 27065652 | 1705792461-4967 | 05/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 2261 | XX | XX | XX | 27065654 | 1705792461-3934 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 2261 | XX | XX | XX | 27065656 | 1705792461-6579 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2261 | XX | XX | XX | 27065657 | 1705792461-7028 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2261 | XX | XX | XX | 27065658 | 1705792461-3494 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2172 | XX | XX | XX | 27065659 | 1704989969-7027 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2241 | XX | XX | XX | 27065660 | 1704660379-7027 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2241 | XX | XX | XX | 27065661 | 1704660379-25677 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2262 | XX | XX | XX | 27065664 | 4005520404-3928 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2262 | XX | XX | XX | 27065665 | 4005520404-4087 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2262 | XX | XX | XX | 27065667 | 4005520404-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 2262 | XX | XX | XX | 27065668 | 4005520404-23038 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2401 | XX | XX | XX | 27065695 | 1703012796-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Purchase | B | No | |||||||||||||
| 2401 | XX | XX | XX | 27065697 | 1703012796-5445 | 06/17/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2401 | XX | XX | XX | 27065698 | 1703012796-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2401 | XX | XX | XX | 27065699 | 1703012796-3494 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2401 | XX | XX | XX | 27065700 | 1703012796-23038 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2401 | XX | XX | XX | 27065701 | 1703012796-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TN | Primary | Purchase | B | No | |||||||||||||
| 2448 | XX | XX | XX | 27065703 | 4005262985-20729 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2448 | XX | XX | XX | 27065704 | 4005262985-2210 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2448 | XX | XX | XX | 27065705 | 4005262985-2214 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1973 | XX | XX | XX | 27065709 | 1701920858-611 | 06/17/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 2105 | XX | XX | XX | 27065711 | 4004962374-5791 | 06/24/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | PA | Investment | Purchase | B | No | ||||||||||||
| 1891 | XX | XX | XX | 27065713 | 1701622795-5445 | 06/17/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1891 | XX | XX | XX | 27065714 | 1701622795-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1891 | XX | XX | XX | 27065715 | 1701622795-7037 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1891 | XX | XX | XX | 27065716 | 1701622795-3494 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1891 | XX | XX | XX | 27065717 | 1701622795-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1891 | XX | XX | XX | 27065719 | 1701622795-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2564 | XX | XX | XX | 27065758 | 1699316873-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2564 | XX | XX | XX | 27065759 | 1699316873-7037 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2564 | XX | XX | XX | 27065761 | 1699316873-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2357 | XX | XX | XX | 27065767 | 4004362292-4967 | 06/24/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2357 | XX | XX | XX | 27065769 | 4004362292-18330 | 06/24/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2357 | XX | XX | XX | 27065771 | 4004362292-3934 | 06/24/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2357 | XX | XX | XX | 27065772 | 4004362292-20780 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2357 | XX | XX | XX | 27065773 | 4004362292-6579 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2357 | XX | XX | XX | 27065774 | 4004362292-7028 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2357 | XX | XX | XX | 27065775 | 4004362292-23038 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2357 | XX | XX | XX | 27065776 | 4004362292-3494 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2783 | XX | XX | XX | 27065779 | 4004321108-4967 | 06/24/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | UT | Primary | Purchase | B | No | |||||||||||||
| 1942 | XX | XX | XX | 27065805 | 1703709012-25677 | 06/30/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1971 | XX | XX | XX | 27065813 | 4003909070-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1971 | XX | XX | XX | 27065814 | 4003909070-28241 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1991 | XX | XX | XX | 27065817 | 4003934457-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1991 | XX | XX | XX | 27065818 | 4003934457-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1991 | XX | XX | XX | 27065819 | 4003934457-2659 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $253,812.46 is underdisclosed from calculated Finance Charge of $254,090.71 in the amount of $278.25. | Unable to determine under disclosure due to missing amortization schedule. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1991 | XX | XX | XX | 27065821 | 4003934457-25688 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1968 | XX | XX | XX | 27065822 | 4003903786-4967 | 07/12/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1968 | XX | XX | XX | 27065825 | 4003903786-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1968 | XX | XX | XX | 27065826 | 4003903786-25686 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1968 | XX | XX | XX | 27065827 | 4003903786-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1982 | XX | XX | XX | 27065828 | 1694863659-24490 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1967 | XX | XX | XX | 27065832 | 4003790985-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1967 | XX | XX | XX | 27065833 | 4003790985-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1967 | XX | XX | XX | 27065834 | 4003790985-28241 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1967 | XX | XX | XX | 27065835 | 4003790985-2647 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2466 | XX | XX | XX | 27065836 | 4003206522-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2466 | XX | XX | XX | 27065838 | 4003206522-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2466 | XX | XX | XX | 27065840 | 4003206522-611 | 06/30/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2466 | XX | XX | XX | 27065841 | 4003206522-613 | 06/30/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2509 | XX | XX | XX | 27065842 | 1689891014-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2509 | XX | XX | XX | 27065843 | 1689891014-1973 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2509 | XX | XX | XX | 27065844 | 1689891014-1976 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2509 | XX | XX | XX | 27065845 | 1689891014-6589 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2509 | XX | XX | XX | 27065846 | 1689891014-22050 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2509 | XX | XX | XX | 27065847 | 1689891014-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2509 | XX | XX | XX | 27065848 | 1689891014-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2206 | XX | XX | XX | 27065849 | 4003643128-3928 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 2206 | XX | XX | XX | 27065850 | 4003643128-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1988 | XX | XX | XX | 27065851 | 4003608068-6576 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Purchase | D | No | ||||||||||||
| 1978 | XX | XX | XX | 27065864 | 1688214860-3934 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1978 | XX | XX | XX | 27065865 | 1688214860-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1978 | XX | XX | XX | 27065866 | 1688214860-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1936 | XX | XX | XX | 27065879 | 4002946460-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1936 | XX | XX | XX | 27065881 | 4002946460-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1936 | XX | XX | XX | 27065882 | 4002946460-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1936 | XX | XX | XX | 27065883 | 4002946460-25686 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1936 | XX | XX | XX | 27065884 | 4002946460-6302 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1936 | XX | XX | XX | 27065885 | 4002946460-28241 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1936 | XX | XX | XX | 27065886 | 4002946460-22050 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1936 | XX | XX | XX | 27065887 | 4002946460-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1934 | XX | XX | XX | 27065904 | 4002001396-18330 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NJ | UTD | Purchase | D | No | |||||||||||||
| 1934 | XX | XX | XX | 27065905 | 4002001396-3934 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | UTD | Purchase | D | No | |||||||||||||
| 1934 | XX | XX | XX | 27065906 | 4002001396-20780 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | NJ | UTD | Purchase | D | No | ||||||||||||
| 1934 | XX | XX | XX | 27065907 | 4002001396-3494 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | UTD | Purchase | D | No | ||||||||||||
| 1934 | XX | XX | XX | 27065908 | 4002001396-6579 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NJ | UTD | Purchase | D | No | ||||||||||||
| 1934 | XX | XX | XX | 27065909 | 4002001396-7028 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NJ | UTD | Purchase | D | No | ||||||||||||
| 1934 | XX | XX | XX | 27065910 | 4002001396-25686 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | UTD | Purchase | No Defined Cure | D | No | |||||||||||
| 1934 | XX | XX | XX | 27065911 | 4002001396-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | UTD | Purchase | No Defined Cure | D | No | |||||||||||
| 1934 | XX | XX | XX | 27065912 | 4002001396-4967 | 07/12/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | UTD | Purchase | D | No | |||||||||||||
| 2209 | XX | XX | XX | 27065922 | 1676045476-4967 | 07/28/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - UTD | D | No | |||||||||||||
| 2209 | XX | XX | XX | 27065924 | 1676045476-3934 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - UTD | D | No | |||||||||||||
| 2209 | XX | XX | XX | 27065925 | 1676045476-20780 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing. | 2 | B | XX | NC | Primary | Refinance - UTD | D | No | ||||||||||||
| 2209 | XX | XX | XX | 27065926 | 1676045476-6579 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NC | Primary | Refinance - UTD | D | No | ||||||||||||
| 2209 | XX | XX | XX | 27065927 | 1676045476-7028 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NC | Primary | Refinance - UTD | D | No | ||||||||||||
| 2209 | XX | XX | XX | 27065928 | 1676045476-7037 | 07/28/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2209 | XX | XX | XX | 27065929 | 1676045476-3494 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Refinance - UTD | D | No | ||||||||||||
| 2800 | XX | XX | XX | 27065931 | 1677717617-4967 | 07/28/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | UTD | Purchase | D | No | |||||||||||||
| 2800 | XX | XX | XX | 27065933 | 1677717617-3934 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | UTD | Purchase | D | No | |||||||||||||
| 2800 | XX | XX | XX | 27065934 | 1677717617-18330 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | AZ | UTD | Purchase | D | No | |||||||||||||
| 2800 | XX | XX | XX | 27065935 | 1677717617-20780 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | AZ | UTD | Purchase | D | No | ||||||||||||
| 2800 | XX | XX | XX | 27065936 | 1677717617-6579 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AZ | UTD | Purchase | D | No | ||||||||||||
| 2800 | XX | XX | XX | 27065937 | 1677717617-7028 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AZ | UTD | Purchase | D | No | ||||||||||||
| 2800 | XX | XX | XX | 27065938 | 1677717617-23038 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AZ | UTD | Purchase | D | No | ||||||||||||
| 2800 | XX | XX | XX | 27065939 | 1677717617-3494 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AZ | UTD | Purchase | D | No | ||||||||||||
| 2104 | XX | XX | XX | 27065941 | 1666542714-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2104 | XX | XX | XX | 27065944 | 1666542714-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2104 | XX | XX | XX | 27065945 | 1666542714-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2104 | XX | XX | XX | 27065946 | 1666542714-23038 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2104 | XX | XX | XX | 27065947 | 1666542714-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2545 | XX | XX | XX | 27065985 | 1695075791-4087 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 2545 | XX | XX | XX | 27065986 | 1695075791-25677 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 2514 | XX | XX | XX | 27065993 | 4005056464-4087 | 01/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2514 | XX | XX | XX | 27065994 | 4005056464-4967 | 02/03/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 2065 | XX | XX | XX | 27065999 | 1700257938-3928 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2065 | XX | XX | XX | 27066000 | 1700257938-4087 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2374 | XX | XX | XX | 27066018 | 1676113699-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Second Home | Purchase | B | No | ||||||||||||
| 2374 | XX | XX | XX | 27066019 | 1676113699-20780 | 12/17/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | AL | Second Home | Purchase | B | No | ||||||||||||
| 2547 | XX | XX | XX | 27066037 | 1706649459-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2547 | XX | XX | XX | 27066038 | 1706649459-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066054 | 1731184636-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066055 | 1731184636-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066056 | 1731184636-5440 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 2504 | XX | XX | XX | 27066057 | 1731184636-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066058 | 1731184636-2692 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066059 | 1731184636-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066060 | 1731184636-1973 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066061 | 1731184636-1976 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066062 | 1731184636-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2504 | XX | XX | XX | 27066063 | 1731184636-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,541.40 is underdisclosed from calculated Finance Charge of $88,777.77 in the amount of $236.37. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2504 | XX | XX | XX | 27066064 | 1731184636-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2781 | XX | XX | XX | 27066046 | 1681821110-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | UT | Primary | Refinance - UTD | D | No | ||||||||||||
| 2781 | XX | XX | XX | 27066047 | 1681821110-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | UT | Primary | Refinance - UTD | D | No | ||||||||||||
| 2781 | XX | XX | XX | 27066048 | 1681821110-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | UT | Primary | Refinance - UTD | D | No | ||||||||||||
| 2781 | XX | XX | XX | 27066049 | 1681821110-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | UT | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2781 | XX | XX | XX | 27066050 | 1681821110-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | UT | Primary | Refinance - UTD | D | No | ||||||||||||
| 2781 | XX | XX | XX | 27066051 | 1681821110-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | UT | Primary | Refinance - UTD | D | No | |||||||||||||
| 2544 | XX | XX | XX | 27066072 | 1705095103-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2400 | XX | XX | XX | 27066084 | 1704657862-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2400 | XX | XX | XX | 27066086 | 1704657862-7040 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1917 | XX | XX | XX | 27066090 | 1705392459-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2570 | XX | XX | XX | 27066117 | 1716390225-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2570 | XX | XX | XX | 27066119 | 1716390225-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066120 | 1716390225-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2012 used as disbursement date for compliance testing. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066121 | 1716390225-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066122 | 1716390225-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066123 | 1716390225-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066124 | 1716390225-18362 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066125 | 1716390225-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066126 | 1716390225-20735 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066127 | 1716390225-1992 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066128 | 1716390225-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2570 | XX | XX | XX | 27066129 | 1716390225-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2570 | XX | XX | XX | 27066130 | 1716390225-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2524 | XX | XX | XX | 27066138 | 4005929760-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2524 | XX | XX | XX | 27066139 | 4005929760-1974 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2524 | XX | XX | XX | 27066140 | 4005929760-1977 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2524 | XX | XX | XX | 27066141 | 4005929760-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $200,236.71 is underdisclosed from calculated Finance Charge of $200,613.79 in the amount of $377.08. | TIL itemization disclosed prepaid interest of $110.28, however the HUD-1 shows the actual prepaid interest charged was $27.57. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2287 | XX | XX | XX | 27066147 | 4005772825-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2287 | XX | XX | XX | 27066148 | 4005772825-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $406,466.00 is underdisclosed from calculated Finance Charge of $406,998.61 in the amount of $532.61. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2625 | XX | XX | XX | 27066150 | 1701896808-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2625 | XX | XX | XX | 27066151 | 1701896808-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2625 | XX | XX | XX | 27066152 | 1701896808-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2625 | XX | XX | XX | 27066153 | 1701896808-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066164 | 1716875899-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066165 | 1716875899-5437 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066166 | 1716875899-5429 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2161 | XX | XX | XX | 27066167 | 1716875899-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2161 | XX | XX | XX | 27066168 | 1716875899-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066169 | 1716875899-2692 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066170 | 1716875899-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066171 | 1716875899-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066172 | 1716875899-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066173 | 1716875899-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066174 | 1716875899-3078 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2161 | XX | XX | XX | 27066175 | 1716875899-3140 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Unable to determine due to missing initial application | 2 | B | XX | VA | Primary | Purchase | B | No | |||||||||||
| 2589 | XX | XX | XX | 27066188 | 1733266960-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2589 | XX | XX | XX | 27066189 | 1733266960-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2482 | XX | XX | XX | 27066191 | 1703756292-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2482 | XX | XX | XX | 27066192 | 1703756292-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2365 | XX | XX | XX | 27066195 | 1706109046-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2365 | XX | XX | XX | 27066196 | 1706109046-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2365 | XX | XX | XX | 27066198 | 1706109046-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2365 | XX | XX | XX | 27066199 | 1706109046-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | No Defined Cure | D | No | |||||||||||
| 2365 | XX | XX | XX | 27066200 | 1706109046-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | No Defined Cure | D | No | |||||||||||
| 2365 | XX | XX | XX | 27066201 | 1706109046-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2365 | XX | XX | XX | 27066202 | 1706109046-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2365 | XX | XX | XX | 27066203 | 1706109046-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2365 | XX | XX | XX | 27066204 | 1706109046-31485 | 07/18/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2893 | XX | XX | XX | 27066214 | 1698497207-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2893 | XX | XX | XX | 27066215 | 1698497207-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2638 | XX | XX | XX | 27066217 | 1705765456-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2638 | XX | XX | XX | 27066218 | 1705765456-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2680 | XX | XX | XX | 27066226 | 1694163159-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | AR | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2680 | XX | XX | XX | 27066227 | 1694163159-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AR | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2121 | XX | XX | XX | 27066229 | 1730961532-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066230 | 1730961532-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066231 | 1730961532-5431 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2121 | XX | XX | XX | 27066232 | 1730961532-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066233 | 1730961532-2685 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066234 | 1730961532-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066235 | 1730961532-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066236 | 1730961532-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066237 | 1730961532-1859 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066238 | 1730961532-4180 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066239 | 1730961532-20744 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2121 | XX | XX | XX | 27066240 | 1730961532-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2685 | XX | XX | XX | 27066245 | 1716877767-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | |||||||||||||
| 2685 | XX | XX | XX | 27066247 | 1716877767-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | |||||||||||||
| 2685 | XX | XX | XX | 27066249 | 1716877767-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066250 | 1716877767-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2012 used as disbursement date for compliance testing. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066251 | 1716877767-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066252 | 1716877767-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066253 | 1716877767-5334 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066254 | 1716877767-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066255 | 1716877767-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066256 | 1716877767-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066257 | 1716877767-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066258 | 1716877767-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OK | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2685 | XX | XX | XX | 27066259 | 1716877767-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2685 | XX | XX | XX | 27066260 | 1716877767-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OK | Primary | Refinance - UTD | D | No | ||||||||||||
| 2571 | XX | XX | XX | 27066264 | 4005227800-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2571 | XX | XX | XX | 27066266 | 4005227800-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2571 | XX | XX | XX | 27066267 | 4005227800-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2025 | XX | XX | XX | 27066273 | 1700858532-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2010 | XX | XX | XX | 27066305 | 4005804595-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2010 | XX | XX | XX | 27066306 | 4005804595-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2640 | XX | XX | XX | 27066308 | 1697432034-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2640 | XX | XX | XX | 27066309 | 1697432034-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2640 | XX | XX | XX | 27066310 | 1697432034-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2640 | XX | XX | XX | 27066311 | 1697432034-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2867 | XX | XX | XX | 27066312 | 1704058194-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2867 | XX | XX | XX | 27066313 | 1704058194-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2523 | XX | XX | XX | 27066336 | 1683891313-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | |||||||||||||
| 2523 | XX | XX | XX | 27066338 | 1683891313-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | |||||||||||||
| 2523 | XX | XX | XX | 27066339 | 1683891313-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | |||||||||||||
| 2523 | XX | XX | XX | 27066340 | 1683891313-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | ||||||||||||
| 2523 | XX | XX | XX | 27066341 | 1683891313-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MI | UTD | Refinance - UTD | D | No | ||||||||||||
| 2523 | XX | XX | XX | 27066342 | 1683891313-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | ||||||||||||
| 2523 | XX | XX | XX | 27066343 | 1683891313-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | ||||||||||||
| 2523 | XX | XX | XX | 27066344 | 1683891313-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2523 | XX | XX | XX | 27066345 | 1683891313-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | UTD | Refinance - UTD | D | No | ||||||||||||
| 2020 | XX | XX | XX | 27066351 | 1704287224-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2833 | XX | XX | XX | 27066355 | 1703423283-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2833 | XX | XX | XX | 27066356 | 1703423283-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 2833 | XX | XX | XX | 27066357 | 1703423283-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 2679 | XX | XX | XX | 27066369 | 1694025566-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AR | Second Home | Refinance - Rate/Term | B | No | |||||||||||||
| 2679 | XX | XX | XX | 27066370 | 1694025566-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AR | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2679 | XX | XX | XX | 27066371 | 1694025566-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AR | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2045 | XX | XX | XX | 27066397 | 1707753121-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2045 | XX | XX | XX | 27066398 | 1707753121-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2373 | XX | XX | XX | 27066401 | 1701626275-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066402 | 1731199797-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066403 | 1731199797-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066404 | 1731199797-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066405 | 1731199797-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2798 | XX | XX | XX | 27066406 | 1731199797-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2798 | XX | XX | XX | 27066407 | 1731199797-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066408 | 1731199797-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066409 | 1731199797-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066410 | 1731199797-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066411 | 1731199797-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066412 | 1731199797-3071 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066413 | 1731199797-3074 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2798 | XX | XX | XX | 27066414 | 1731199797-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2259 | XX | XX | XX | 27066428 | 1701097077-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2259 | XX | XX | XX | 27066429 | 1701097077-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066434 | 1731364159-5440 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 2278 | XX | XX | XX | 27066435 | 1731364159-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2278 | XX | XX | XX | 27066436 | 1731364159-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2278 | XX | XX | XX | 27066437 | 1731364159-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066438 | 1731364159-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066439 | 1731364159-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066440 | 1731364159-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066441 | 1731364159-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066442 | 1731364159-3078 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066443 | 1731364159-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2278 | XX | XX | XX | 27066444 | 1731364159-7039 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2635 | XX | XX | XX | 27066448 | 1697112477-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2637 | XX | XX | XX | 27066459 | 1703147829-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2637 | XX | XX | XX | 27066460 | 1703147829-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2088 | XX | XX | XX | 27066461 | 1694072882-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2088 | XX | XX | XX | 27066462 | 1694072882-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2182 | XX | XX | XX | 27066469 | 1731548940-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2182 | XX | XX | XX | 27066470 | 1731548940-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2182 | XX | XX | XX | 27066471 | 1731548940-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2112 | XX | XX | XX | 27066497 | 1701242499-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 2112 | XX | XX | XX | 27066498 | 1701242499-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DE | Primary | Purchase | B | No | |||||||||||||
| 2652 | XX | XX | XX | 27066504 | 1687498078-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | |||||||||||||
| 2652 | XX | XX | XX | 27066505 | 1687498078-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 2652 | XX | XX | XX | 27066506 | 1687498078-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 2652 | XX | XX | XX | 27066507 | 1687498078-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 2652 | XX | XX | XX | 27066508 | 1687498078-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | KS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2652 | XX | XX | XX | 27066509 | 1687498078-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | KS | Primary | Refinance - UTD | D | No | ||||||||||||
| 2799 | XX | XX | XX | 27066517 | 1703632159-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2799 | XX | XX | XX | 27066518 | 1703632159-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2799 | XX | XX | XX | 27066519 | 1703632159-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2799 | XX | XX | XX | 27066520 | 1703632159-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $154,920.80 is underdisclosed from calculated Finance Charge of $155,452.61 in the amount of $531.81. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2799 | XX | XX | XX | 27066521 | 1703632159-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2014 | XX | XX | XX | 27066522 | 1700898547-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2014 | XX | XX | XX | 27066523 | 1700898547-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2014 | XX | XX | XX | 27066524 | 1700898547-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2014 | XX | XX | XX | 27066525 | 1700898547-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2823 | XX | XX | XX | 27066536 | 1704899643-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2849 | XX | XX | XX | 27066533 | 1703533477-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2849 | XX | XX | XX | 27066534 | 1703533477-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2849 | XX | XX | XX | 27066535 | 1703533477-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2885 | XX | XX | XX | 27066539 | 4005675351-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2885 | XX | XX | XX | 27066540 | 4005675351-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2885 | XX | XX | XX | 27066541 | 4005675351-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2395 | XX | XX | XX | 27066543 | 1668610039-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2395 | XX | XX | XX | 27066544 | 1668610039-25902 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2395 | XX | XX | XX | 27066545 | 1668610039-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $153,088.24 is underdisclosed from calculated Finance Charge of $153,237.72 in the amount of $149.48. | Under-disclosure is due to fees. Itemization did not include the settlement/closing/escrow fee of $150.00. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2395 | XX | XX | XX | 27066546 | 1668610039-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2395 | XX | XX | XX | 27066547 | 1668610039-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2042 | XX | XX | XX | 27066558 | 4003538342-5780 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 2042 | XX | XX | XX | 27066559 | 4003538342-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2042 | XX | XX | XX | 27066560 | 4003538342-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2643 | XX | XX | XX | 27066562 | 1682261103-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | |||||||||||||
| 2643 | XX | XX | XX | 27066564 | 1682261103-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | |||||||||||||
| 2643 | XX | XX | XX | 27066565 | 1682261103-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | ||||||||||||
| 2643 | XX | XX | XX | 27066566 | 1682261103-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MO | Primary | Refinance - UTD | D | No | ||||||||||||
| 2643 | XX | XX | XX | 27066567 | 1682261103-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | ||||||||||||
| 2643 | XX | XX | XX | 27066568 | 1682261103-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | ||||||||||||
| 2643 | XX | XX | XX | 27066569 | 1682261103-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 2643 | XX | XX | XX | 27066570 | 1682261103-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 2643 | XX | XX | XX | 27066571 | 1682261103-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MO | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2643 | XX | XX | XX | 27066572 | 1682261103-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | Primary | Refinance - UTD | D | No | ||||||||||||
| 2440 | XX | XX | XX | 27066594 | 1688029212-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2440 | XX | XX | XX | 27066595 | 1688029212-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2440 | XX | XX | XX | 27066596 | 1688029212-6419 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.74900% is underdisclosed from calculated APR of 7.29344% outside of 0.250% tolerance. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 2440 | XX | XX | XX | 27066597 | 1688029212-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $112,536.46 is underdisclosed from calculated Finance Charge of $119,422.50 in the amount of $6,886.04. | Under disclosure is due to the final TIL not including the monthly MI payment in the total payments. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2440 | XX | XX | XX | 27066600 | 1688029212-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1909 | XX | XX | XX | 27066607 | 1696395639-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Second Home | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066616 | 1730819996-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066617 | 1730819996-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066618 | 1730819996-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2439 | XX | XX | XX | 27066619 | 1730819996-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2439 | XX | XX | XX | 27066620 | 1730819996-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066621 | 1730819996-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066622 | 1730819996-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066623 | 1730819996-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066624 | 1730819996-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066625 | 1730819996-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066626 | 1730819996-20729 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066627 | 1730819996-2210 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066628 | 1730819996-2214 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066629 | 1730819996-5660 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2439 | XX | XX | XX | 27066630 | 1730819996-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2238 | XX | XX | XX | 27066638 | 4003158822-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2238 | XX | XX | XX | 27066640 | 4003158822-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2238 | XX | XX | XX | 27066641 | 4003158822-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2238 | XX | XX | XX | 27066642 | 4003158822-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2238 | XX | XX | XX | 27066643 | 4003158822-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2238 | XX | XX | XX | 27066644 | 4003158822-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2238 | XX | XX | XX | 27066645 | 4003158822-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2238 | XX | XX | XX | 27066646 | 4003158822-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066648 | 4008856303-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2884 | XX | XX | XX | 27066650 | 4008856303-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2884 | XX | XX | XX | 27066652 | 4008856303-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2884 | XX | XX | XX | 27066654 | 4008856303-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066655 | 4008856303-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2012 used as disbursement date for compliance testing. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066656 | 4008856303-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066657 | 4008856303-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066658 | 4008856303-5334 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066659 | 4008856303-28193 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066660 | 4008856303-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066661 | 4008856303-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066662 | 4008856303-2688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066663 | 4008856303-3353 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2884 | XX | XX | XX | 27066664 | 4008856303-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2884 | XX | XX | XX | 27066665 | 4008856303-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2618 | XX | XX | XX | 27066668 | 1704818807-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | IL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2618 | XX | XX | XX | 27066669 | 1704818807-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2618 | XX | XX | XX | 27066670 | 1704818807-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2616 | XX | XX | XX | 27066680 | 4003971958-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2063 | XX | XX | XX | 27066686 | 1698384132-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066687 | 1698384132-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066688 | 1698384132-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066689 | 1698384132-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066690 | 1698384132-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066691 | 1698384132-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2063 | XX | XX | XX | 27066692 | 1698384132-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
2 | B | XX | PA | Primary | Purchase | D | No | |||||||||||
| 2418 | XX | XX | XX | 27066693 | 1703821182-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2418 | XX | XX | XX | 27066694 | 1703821182-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2418 | XX | XX | XX | 27066695 | 1703821182-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2596 | XX | XX | XX | 27066706 | 1699470627-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2596 | XX | XX | XX | 27066707 | 1699470627-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1957 | XX | XX | XX | 27066725 | 1717085531-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1957 | XX | XX | XX | 27066726 | 1717085531-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1957 | XX | XX | XX | 27066727 | 1717085531-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2511 | XX | XX | XX | 27066734 | 1685020922-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2382 | XX | XX | XX | 27066735 | 1704217232-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2382 | XX | XX | XX | 27066736 | 1704217232-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2382 | XX | XX | XX | 27066737 | 1704217232-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2902 | XX | XX | XX | 27066751 | 1679153642-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OR | Primary | Refinance - UTD | D | No | |||||||||||||
| 2902 | XX | XX | XX | 27066754 | 1679153642-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OR | Primary | Refinance - UTD | D | No | |||||||||||||
| 2902 | XX | XX | XX | 27066755 | 1679153642-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | OR | Primary | Refinance - UTD | D | No | ||||||||||||
| 2902 | XX | XX | XX | 27066756 | 1679153642-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OR | Primary | Refinance - UTD | D | No | ||||||||||||
| 2902 | XX | XX | XX | 27066757 | 1679153642-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OR | Primary | Refinance - UTD | D | No | ||||||||||||
| 2902 | XX | XX | XX | 27066758 | 1679153642-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OR | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2902 | XX | XX | XX | 27066759 | 1679153642-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OR | Primary | Refinance - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066776 | 1703471191-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066777 | 1703471191-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066778 | 1703471191-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066779 | 1703471191-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066780 | 1703471191-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2210 | XX | XX | XX | 27066781 | 1703471191-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2210 | XX | XX | XX | 27066784 | 1703471191-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 2210 | XX | XX | XX | 27066785 | 1703471191-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 2210 | XX | XX | XX | 27066786 | 1703471191-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 1981 | XX | XX | XX | 27066788 | 1701914686-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1955 | XX | XX | XX | 27066794 | 4006720797-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1955 | XX | XX | XX | 27066795 | 4006720797-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2525 | XX | XX | XX | 27066791 | 1701419398-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2525 | XX | XX | XX | 27066792 | 1701419398-1974 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2525 | XX | XX | XX | 27066793 | 1701419398-1977 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2483 | XX | XX | XX | 27066801 | 1699102179-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2483 | XX | XX | XX | 27066802 | 1699102179-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2639 | XX | XX | XX | 27066803 | 1700251160-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2639 | XX | XX | XX | 27066804 | 1700251160-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2730 | XX | XX | XX | 27066805 | 1708073618-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2730 | XX | XX | XX | 27066806 | 1708073618-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2113 | XX | XX | XX | 27066839 | 1697011850-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2113 | XX | XX | XX | 27066841 | 1697011850-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2113 | XX | XX | XX | 27066842 | 1697011850-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2113 | XX | XX | XX | 27066843 | 1697011850-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 1952 | XX | XX | XX | 27066853 | 4005234024-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1952 | XX | XX | XX | 27066854 | 4005234024-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1952 | XX | XX | XX | 27066855 | 4005234024-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1952 | XX | XX | XX | 27066856 | 4005234024-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1952 | XX | XX | XX | 27066857 | 4005234024-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2436 | XX | XX | XX | 27066849 | 1701146660-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2436 | XX | XX | XX | 27066850 | 1701146660-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $121,531.61 is underdisclosed from calculated Finance Charge of $121,841.85 in the amount of $310.24. | Under disclosure is in the payment stream due to MI. Unable to determine under disclosure due to missing MI cert. | 2 | B | XX | KY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2436 | XX | XX | XX | 27066851 | 1701146660-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KY | Primary | Purchase | B | No | |||||||||||||
| 2761 | XX | XX | XX | 27066859 | 1705517380-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2723 | XX | XX | XX | 27066881 | 1700369603-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2723 | XX | XX | XX | 27066883 | 1700369603-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2723 | XX | XX | XX | 27066884 | 1700369603-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2723 | XX | XX | XX | 27066885 | 1700369603-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2251 | XX | XX | XX | 27066904 | 4004284175-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2251 | XX | XX | XX | 27066905 | 4004284175-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2726 | XX | XX | XX | 27066907 | 4005651546-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066924 | 1730342058-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066925 | 1730342058-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066926 | 1730342058-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066927 | 1730342058-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066928 | 1730342058-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066929 | 1730342058-2705 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066930 | 1730342058-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066931 | 1730342058-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066932 | 1730342058-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2787 | XX | XX | XX | 27066933 | 1730342058-770 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2787 | XX | XX | XX | 27066934 | 1730342058-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2787 | XX | XX | XX | 27066935 | 1730342058-5438 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2762 | XX | XX | XX | 27066918 | 4002304868-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2762 | XX | XX | XX | 27066920 | 4002304868-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2762 | XX | XX | XX | 27066921 | 4002304868-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2762 | XX | XX | XX | 27066922 | 4002304868-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2762 | XX | XX | XX | 27066923 | 4002304868-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2507 | XX | XX | XX | 27066936 | 1698538277-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 2507 | XX | XX | XX | 27066937 | 1698538277-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2507 | XX | XX | XX | 27066938 | 1698538277-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2507 | XX | XX | XX | 27066939 | 1698538277-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2507 | XX | XX | XX | 27066940 | 1698538277-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2198 | XX | XX | XX | 27066970 | 1684571989-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2198 | XX | XX | XX | 27066971 | 1684571989-7039 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2158 | XX | XX | XX | 27066973 | 4005796111-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2632 | XX | XX | XX | 27066994 | 1698290137-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2632 | XX | XX | XX | 27066995 | 1698290137-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2632 | XX | XX | XX | 27066996 | 1698290137-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2632 | XX | XX | XX | 27066997 | 1698290137-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2632 | XX | XX | XX | 27066998 | 1698290137-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2632 | XX | XX | XX | 27066999 | 1698290137-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2632 | XX | XX | XX | 27067000 | 1698290137-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2073 | XX | XX | XX | 27067002 | 1701146378-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2073 | XX | XX | XX | 27067004 | 1701146378-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2073 | XX | XX | XX | 27067005 | 1701146378-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2073 | XX | XX | XX | 27067006 | 1701146378-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2750 | XX | XX | XX | 27067016 | 1681781060-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2750 | XX | XX | XX | 27067017 | 1681781060-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2653 | XX | XX | XX | 27067034 | 1703608155-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2876 | XX | XX | XX | 27067043 | 1702918617-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1997 | XX | XX | XX | 27067045 | 1702840083-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1997 | XX | XX | XX | 27067046 | 1702840083-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1997 | XX | XX | XX | 27067047 | 1702840083-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2641 | XX | XX | XX | 27067048 | 4005448426-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2043 | XX | XX | XX | 27067070 | 1706559903-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2043 | XX | XX | XX | 27067071 | 1706559903-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2562 | XX | XX | XX | 27067072 | 1701799806-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2562 | XX | XX | XX | 27067073 | 1701799806-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1939 | XX | XX | XX | 27067087 | 1704636062-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1939 | XX | XX | XX | 27067088 | 1704636062-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2204 | XX | XX | XX | 27067090 | 4005833249-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,634.13 is underdisclosed from calculated Finance Charge of $115,045.92 in the amount of $411.79. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2542 | XX | XX | XX | 27067095 | 1683990373-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IA | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2542 | XX | XX | XX | 27067098 | 1683990373-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2542 | XX | XX | XX | 27067099 | 1683990373-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2542 | XX | XX | XX | 27067100 | 1683990373-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2542 | XX | XX | XX | 27067101 | 1683990373-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 2542 | XX | XX | XX | 27067102 | 1683990373-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2844 | XX | XX | XX | 27067108 | 1703983211-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2432 | XX | XX | XX | 27067109 | 1706133326-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2311 | XX | XX | XX | 27067112 | 1702011335-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2364 | XX | XX | XX | 27067114 | 1684448833-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2364 | XX | XX | XX | 27067117 | 1684448833-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2364 | XX | XX | XX | 27067118 | 1684448833-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2364 | XX | XX | XX | 27067119 | 1684448833-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2364 | XX | XX | XX | 27067120 | 1684448833-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2364 | XX | XX | XX | 27067121 | 1684448833-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2398 | XX | XX | XX | 27067122 | 4004537223-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2526 | XX | XX | XX | 27067124 | 1699470515-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $232,742.66 is underdisclosed from calculated Finance Charge of $232,855.39 in the amount of $112.73. | Unable to determine fee portion of under disclosure due to missing Itemization of Amount Financed. Payment stream portion is due to lender's TIL reflecting MI would be in force for 154 months; however, based on loan amount and appraised value, the MI would be in force for 155 months. | 2 | B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2526 | XX | XX | XX | 27067125 | 1699470515-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2660 | XX | XX | XX | 27067126 | 1711667605-2691 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2660 | XX | XX | XX | 27067127 | 1711667605-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $105,641.05 is underdisclosed from calculated Finance Charge of $105,751.06 in the amount of $110.01. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1984 | XX | XX | XX | 27067137 | 1688743677-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1984 | XX | XX | XX | 27067139 | 1688743677-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1984 | XX | XX | XX | 27067140 | 1688743677-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1984 | XX | XX | XX | 27067141 | 1688743677-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1984 | XX | XX | XX | 27067142 | 1688743677-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1984 | XX | XX | XX | 27067143 | 1688743677-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2910 | XX | XX | XX | 27067154 | 1661394089-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 2910 | XX | XX | XX | 27067155 | 1661394089-2659 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $136,939.28 is underdisclosed from calculated Finance Charge of $137,062.23 in the amount of $122.95. | Unable to determine the under disclosure due to missing the itemization of amount financed. | 2 | B | XX | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1920 | XX | XX | XX | 27067159 | 1668664395-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CT | UTD | Purchase | D | No | |||||||||||||
| 1920 | XX | XX | XX | 27067161 | 1668664395-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | CT | UTD | Purchase | D | No | ||||||||||||
| 1920 | XX | XX | XX | 27067162 | 1668664395-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CT | UTD | Purchase | D | No | ||||||||||||
| 1920 | XX | XX | XX | 27067163 | 1668664395-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CT | UTD | Purchase | D | No | ||||||||||||
| 1920 | XX | XX | XX | 27067164 | 1668664395-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CT | UTD | Purchase | D | No | ||||||||||||
| 1920 | XX | XX | XX | 27067165 | 1668664395-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | UTD | Purchase | D | No | ||||||||||||
| 1920 | XX | XX | XX | 27067166 | 1668664395-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | UTD | Purchase | D | No | |||||||||||||
| 1920 | XX | XX | XX | 27067167 | 1668664395-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | CT | UTD | Purchase | D | No | |||||||||||||
| 1922 | XX | XX | XX | 27067174 | 1703116931-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067176 | 1716303768-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2116 | XX | XX | XX | 27067177 | 1716303768-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067178 | 1716303768-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067179 | 1716303768-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067180 | 1716303768-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067181 | 1716303768-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067182 | 1716303768-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2116 | XX | XX | XX | 27067183 | 1716303768-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2424 | XX | XX | XX | 27067187 | 1695724463-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Purchase | B | No | ||||||||||||
| 2120 | XX | XX | XX | 27067191 | 1701344931-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Second Home | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2120 | XX | XX | XX | 27067192 | 1701344931-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | MD | Second Home | Refinance - Cash-out - Other | B | No | |||||||||||
| 2120 | XX | XX | XX | 27067193 | 1701344931-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Second Home | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2684 | XX | XX | XX | 27067196 | 1696129568-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AR | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2283 | XX | XX | XX | 27067198 | 4002168620-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2283 | XX | XX | XX | 27067199 | 4002168620-22137 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2283 | XX | XX | XX | 27067200 | 4002168620-7037 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2283 | XX | XX | XX | 27067201 | 4002168620-3494 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2283 | XX | XX | XX | 27067202 | 4002168620-3934 | 08/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1938 | XX | XX | XX | 27067203 | 1700192839-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2752 | XX | XX | XX | 27067223 | 4000032148-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2897 | XX | XX | XX | 27067226 | 1698028492-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2897 | XX | XX | XX | 27067227 | 1698028492-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2897 | XX | XX | XX | 27067228 | 1698028492-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2897 | XX | XX | XX | 27067229 | 1698028492-23495 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2897 | XX | XX | XX | 27067231 | 1698028492-23494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2897 | XX | XX | XX | 27067232 | 1698028492-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $333,995.79 is underdisclosed from calculated Finance Charge of $334,146.69 in the amount of $150.90. | The TIL itemization did not disclose a release tracking fee of $125 or courier fee of $26 as prepaid finance charges. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2599 | XX | XX | XX | 27067235 | 4005533371-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2599 | XX | XX | XX | 27067236 | 4005533371-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2599 | XX | XX | XX | 27067237 | 4005533371-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2599 | XX | XX | XX | 27067238 | 4005533371-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2201 | XX | XX | XX | 27067247 | 1704630850-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2201 | XX | XX | XX | 27067248 | 1704630850-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067256 | 1730556858-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067257 | 1730556858-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067258 | 1730556858-5440 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 2351 | XX | XX | XX | 27067259 | 1730556858-5431 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2351 | XX | XX | XX | 27067260 | 1730556858-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067261 | 1730556858-2694 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067262 | 1730556858-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067263 | 1730556858-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067264 | 1730556858-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2351 | XX | XX | XX | 27067265 | 1730556858-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2351 | XX | XX | XX | 27067267 | 1730556858-5430 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2351 | XX | XX | XX | 27067268 | 1730556858-5432 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2534 | XX | XX | XX | 27067280 | 1699246406-5445 | 08/12/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2001 | XX | XX | XX | 27067288 | 1700358808-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2001 | XX | XX | XX | 27067289 | 1700358808-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2402 | XX | XX | XX | 27067290 | 1703237449-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2402 | XX | XX | XX | 27067291 | 1703237449-7039 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2565 | XX | XX | XX | 27067304 | 1704266689-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Purchase | B | No | |||||||||||||
| 2565 | XX | XX | XX | 27067305 | 1704266689-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2765 | XX | XX | XX | 27067314 | 4005443315-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Second Home | Purchase | B | No | ||||||||||||
| 2816 | XX | XX | XX | 27067329 | 1705817817-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2816 | XX | XX | XX | 27067330 | 1705817817-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2168 | XX | XX | XX | 27067334 | 1705136663-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2168 | XX | XX | XX | 27067335 | 1705136663-2489 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2490 | XX | XX | XX | 27067337 | 1685785184-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2490 | XX | XX | XX | 27067338 | 1685785184-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2490 | XX | XX | XX | 27067339 | 1685785184-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2490 | XX | XX | XX | 27067340 | 1685785184-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2490 | XX | XX | XX | 27067341 | 1685785184-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2490 | XX | XX | XX | 27067342 | 1685785184-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2658 | XX | XX | XX | 27067344 | 4002915856-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2147 | XX | XX | XX | 27067347 | 1687262130-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2147 | XX | XX | XX | 27067349 | 1687262130-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2147 | XX | XX | XX | 27067350 | 1687262130-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2677 | XX | XX | XX | 27067356 | 1698029812-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2677 | XX | XX | XX | 27067357 | 1698029812-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2717 | XX | XX | XX | 27067358 | 1675677020-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | UTD | Purchase | B | No | |||||||||||||
| 2717 | XX | XX | XX | 27067360 | 1675677020-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | UTD | Purchase | B | No | |||||||||||||
| 2717 | XX | XX | XX | 27067362 | 1675677020-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | TX | UTD | Purchase | B | No | |||||||||||||
| 2717 | XX | XX | XX | 27067363 | 1675677020-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | UTD | Purchase | B | No | ||||||||||||
| 2717 | XX | XX | XX | 27067364 | 1675677020-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | UTD | Purchase | B | No | ||||||||||||
| 2717 | XX | XX | XX | 27067365 | 1675677020-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | UTD | Purchase | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067370 | 1733469800-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067371 | 1733469800-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067372 | 1733469800-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067373 | 1733469800-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067374 | 1733469800-2702 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067375 | 1733469800-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2281 | XX | XX | XX | 27067376 | 1733469800-22137 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2870 | XX | XX | XX | 27067378 | 1701258050-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 2870 | XX | XX | XX | 27067379 | 1701258050-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2870 | XX | XX | XX | 27067380 | 1701258050-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $533,883.92 is underdisclosed from calculated Finance Charge of $536,168.82 in the amount of $2,284.90. | Unable to determine the under disclosure due to missing the itemization of amount financed. | 2 | B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2870 | XX | XX | XX | 27067381 | 1701258050-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2803 | XX | XX | XX | 27067382 | 1700844590-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NM | UTD | Purchase | B | No | |||||||||||||
| 2803 | XX | XX | XX | 27067384 | 1700844590-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NM | UTD | Purchase | B | No | |||||||||||||
| 2803 | XX | XX | XX | 27067386 | 1700844590-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NM | UTD | Purchase | B | No | ||||||||||||
| 2803 | XX | XX | XX | 27067387 | 1700844590-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NM | UTD | Purchase | B | No | ||||||||||||
| 2803 | XX | XX | XX | 27067388 | 1700844590-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NM | UTD | Purchase | B | No | ||||||||||||
| 2803 | XX | XX | XX | 27067389 | 1700844590-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NM | UTD | Purchase | B | No | |||||||||||||
| 2219 | XX | XX | XX | 27067400 | 1693631083-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2667 | XX | XX | XX | 27067396 | 1697054496-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Purchase | B | No | |||||||||||||
| 2667 | XX | XX | XX | 27067397 | 1697054496-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2667 | XX | XX | XX | 27067398 | 1697054496-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2454 | XX | XX | XX | 27067404 | 1688793837-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2454 | XX | XX | XX | 27067407 | 1688793837-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2454 | XX | XX | XX | 27067408 | 1688793837-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2454 | XX | XX | XX | 27067409 | 1688793837-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2454 | XX | XX | XX | 27067410 | 1688793837-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2454 | XX | XX | XX | 27067411 | 1688793837-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2454 | XX | XX | XX | 27067412 | 1688793837-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2454 | XX | XX | XX | 27067413 | 1688793837-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2527 | XX | XX | XX | 27067415 | 1698172930-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 2527 | XX | XX | XX | 27067416 | 1698172930-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2527 | XX | XX | XX | 27067417 | 1698172930-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2527 | XX | XX | XX | 27067418 | 1698172930-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2314 | XX | XX | XX | 27067420 | 1704206653-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2314 | XX | XX | XX | 27067421 | 1704206653-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2314 | XX | XX | XX | 27067422 | 1704206653-3494 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2314 | XX | XX | XX | 27067423 | 1704206653-4967 | 11/13/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2314 | XX | XX | XX | 27067425 | 1704206653-3934 | 11/13/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2878 | XX | XX | XX | 27067428 | 1698977027-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2878 | XX | XX | XX | 27067429 | 1698977027-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2878 | XX | XX | XX | 27067430 | 1698977027-7042 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2331 | XX | XX | XX | 27067453 | 4002470405-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2331 | XX | XX | XX | 27067454 | 4002470405-5010 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2331 | XX | XX | XX | 27067455 | 4002470405-6419 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.40900% is underdisclosed from calculated APR of 8.23544% outside of 0.250% tolerance. | 2 | B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 2331 | XX | XX | XX | 27067456 | 4002470405-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $127,569.43 is underdisclosed from calculated Finance Charge of $137,579.34 in the amount of $10,009.91. | Under disclosure due to lender final TIL reflects MI start rate for 10 months, then step down rate for 151 months, Per the Final TIL start rate should be for 120 months and step down for additional 41 months. | 2 | B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2274 | XX | XX | XX | 27067442 | 1664243592-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | UTD - UTD | D | No | |||||||||||||
| 2274 | XX | XX | XX | 27067444 | 1664243592-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | UTD - UTD | D | No | |||||||||||||
| 2274 | XX | XX | XX | 27067445 | 1664243592-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/1996 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | UTD - UTD | D | No | ||||||||||||
| 2274 | XX | XX | XX | 27067446 | 1664243592-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | UTD - UTD | D | No | ||||||||||||
| 2274 | XX | XX | XX | 27067447 | 1664243592-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | UTD - UTD | D | No | ||||||||||||
| 2274 | XX | XX | XX | 27067448 | 1664243592-22137 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | UTD - UTD | D | No | ||||||||||||
| 2274 | XX | XX | XX | 27067449 | 1664243592-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2274 | XX | XX | XX | 27067450 | 1664243592-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | UTD - UTD | D | No | ||||||||||||
| 2447 | XX | XX | XX | 27067483 | 1665762083-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1997 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2447 | XX | XX | XX | 27067484 | 1665762083-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2447 | XX | XX | XX | 27067485 | 1665762083-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2447 | XX | XX | XX | 27067486 | 1665762083-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2447 | XX | XX | XX | 27067487 | 1665762083-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2447 | XX | XX | XX | 27067489 | 1665762083-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2447 | XX | XX | XX | 27067490 | 1665762083-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2802 | XX | XX | XX | 27067502 | 1673588856-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2802 | XX | XX | XX | 27067503 | 1673588856-4087 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2802 | XX | XX | XX | 27067504 | 1673588856-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2194 | XX | XX | XX | 27067514 | 1674966945-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2390 | XX | XX | XX | 27067517 | 1678369955-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2390 | XX | XX | XX | 27067518 | 1678369955-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 1986 | XX | XX | XX | 27067521 | 1678916915-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1986 | XX | XX | XX | 27067522 | 1678916915-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1986 | XX | XX | XX | 27067524 | 1678916915-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1986 | XX | XX | XX | 27067525 | 1678916915-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 2144 | XX | XX | XX | 27067528 | 1679280017-7027 | 01/15/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2144 | XX | XX | XX | 27067529 | 1679280017-3494 | 01/15/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2144 | XX | XX | XX | 27067530 | 1679280017-4967 | 01/15/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2144 | XX | XX | XX | 27067532 | 1679280017-3934 | 01/15/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2208 | XX | XX | XX | 27067540 | 1680075324-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Purchase | D | No | |||||||||||||
| 2208 | XX | XX | XX | 27067541 | 1680075324-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NC | Primary | Purchase | D | No | ||||||||||||
| 2208 | XX | XX | XX | 27067542 | 1680075324-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Purchase | D | No | ||||||||||||
| 1963 | XX | XX | XX | 27067533 | 1680236165-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $291,754.25 is underdisclosed from calculated Finance Charge of $292,103.74 in the amount of $349.49. | TIL Itemization did not disclose the $25 CPL fee or $325 settlement fee as prepaid finance charges. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1963 | XX | XX | XX | 27067534 | 1680236165-7037 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1963 | XX | XX | XX | 27067537 | 1680236165-3934 | 08/02/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1963 | XX | XX | XX | 27067538 | 1680236165-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2695 | XX | XX | XX | 27067559 | 1681002926-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2695 | XX | XX | XX | 27067560 | 1681002926-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2695 | XX | XX | XX | 27067561 | 1681002926-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2695 | XX | XX | XX | 27067562 | 1681002926-5010 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2695 | XX | XX | XX | 27067563 | 1681002926-611 | 12/30/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 2473 | XX | XX | XX | 27067565 | 1681390664-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2473 | XX | XX | XX | 27067567 | 1681390664-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2473 | XX | XX | XX | 27067569 | 1681390664-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2473 | XX | XX | XX | 27067570 | 1681390664-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2473 | XX | XX | XX | 27067571 | 1681390664-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2473 | XX | XX | XX | 27067572 | 1681390664-25686 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IN | UTD | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 2473 | XX | XX | XX | 27067573 | 1681390664-6302 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IN | UTD | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 2473 | XX | XX | XX | 27067574 | 1681390664-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2473 | XX | XX | XX | 27067575 | 1681390664-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2473 | XX | XX | XX | 27067576 | 1681390664-18330 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2242 | XX | XX | XX | 27067580 | 1683266489-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2242 | XX | XX | XX | 27067582 | 1683266489-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2242 | XX | XX | XX | 27067583 | 1683266489-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2242 | XX | XX | XX | 27067584 | 1683266489-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2242 | XX | XX | XX | 27067585 | 1683266489-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1893 | XX | XX | XX | 27067624 | 1695754809-6305 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1893 | XX | XX | XX | 27067625 | 1695754809-6302 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2008 | XX | XX | XX | 27067627 | 1696195515-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2008 | XX | XX | XX | 27067628 | 1696195515-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2008 | XX | XX | XX | 27067629 | 1696195515-22050 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 2008 | XX | XX | XX | 27067630 | 1696195515-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2008 | XX | XX | XX | 27067631 | 1696195515-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2008 | XX | XX | XX | 27067632 | 1696195515-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2074 | XX | XX | XX | 27067637 | 1696721504-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2074 | XX | XX | XX | 27067638 | 1696721504-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2260 | XX | XX | XX | 27067660 | 1698458234-6305 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2260 | XX | XX | XX | 27067661 | 1698458234-5445 | 08/02/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2669 | XX | XX | XX | 27067663 | 1698713304-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2669 | XX | XX | XX | 27067664 | 1698713304-4088 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2669 | XX | XX | XX | 27067665 | 1698713304-6301 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2017 | XX | XX | XX | 27067669 | 1698662029-5791 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2341 | XX | XX | XX | 27067671 | 1698951782-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2341 | XX | XX | XX | 27067672 | 1698951782-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2341 | XX | XX | XX | 27067673 | 1698951782-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2341 | XX | XX | XX | 27067674 | 1698951782-25686 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | UTD | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 2341 | XX | XX | XX | 27067675 | 1698951782-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | UTD | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 2341 | XX | XX | XX | 27067676 | 1698951782-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2341 | XX | XX | XX | 27067677 | 1698951782-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2341 | XX | XX | XX | 27067678 | 1698951782-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2341 | XX | XX | XX | 27067680 | 1698951782-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2341 | XX | XX | XX | 27067681 | 1698951782-18330 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2809 | XX | XX | XX | 27067685 | 1699244228-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NV | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2307 | XX | XX | XX | 27067688 | 1699565511-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2307 | XX | XX | XX | 27067689 | 1699565511-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2307 | XX | XX | XX | 27067690 | 1699565511-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2307 | XX | XX | XX | 27067691 | 1699565511-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2307 | XX | XX | XX | 27067692 | 1699565511-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2141 | XX | XX | XX | 27067701 | 1700465026-25688 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2141 | XX | XX | XX | 27067702 | 1700465026-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2631 | XX | XX | XX | 27067703 | 1700896282-7027 | 08/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2123 | XX | XX | XX | 27067712 | 1701010279-25687 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2123 | XX | XX | XX | 27067713 | 1701010279-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2354 | XX | XX | XX | 27067720 | 1701191187-4088 | 08/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2354 | XX | XX | XX | 27067721 | 1701191187-2659 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $193,385.22 is underdisclosed from calculated Finance Charge of $194,492.38 in the amount of $1,107.16. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2296 | XX | XX | XX | 27067727 | 1701204878-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1945 | XX | XX | XX | 27067734 | 1701672766-4088 | 08/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1945 | XX | XX | XX | 27067735 | 1701672766-6305 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2164 | XX | XX | XX | 27067741 | 1702133967-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2164 | XX | XX | XX | 27067742 | 1702133967-3928 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2469 | XX | XX | XX | 27067746 | 1702481067-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2469 | XX | XX | XX | 27067747 | 1702481067-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2254 | XX | XX | XX | 27067749 | 1702660502-5791 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2254 | XX | XX | XX | 27067750 | 1702660502-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2254 | XX | XX | XX | 27067751 | 1702660502-3928 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2254 | XX | XX | XX | 27067752 | 1702660502-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1916 | XX | XX | XX | 27067748 | 1703085234-7027 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2358 | XX | XX | XX | 27067754 | 1703378025-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2358 | XX | XX | XX | 27067755 | 1703378025-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2912 | XX | XX | XX | 27067764 | 1703490914-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2912 | XX | XX | XX | 27067765 | 1703490914-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2912 | XX | XX | XX | 27067766 | 1703490914-2666 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2396 | XX | XX | XX | 27067762 | 1703562848-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2782 | XX | XX | XX | 27067763 | 1703583552-3928 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2323 | XX | XX | XX | 27067767 | 1703629054-6576 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2294 | XX | XX | XX | 27067770 | 1703728500-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2294 | XX | XX | XX | 27067771 | 1703728500-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2294 | XX | XX | XX | 27067772 | 1703728500-2658 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 7.13800% is underdisclosed from calculated APR of 7.47146% outside of 0.125% tolerance. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 2294 | XX | XX | XX | 27067773 | 1703728500-2659 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $227,663.52 is underdisclosed from calculated Finance Charge of $234,528.85 in the amount of $6,865.33. | Under disclosure is due to the TIL not including the monthly MI payment. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2460 | XX | XX | XX | 27067783 | 1704298661-5445 | 11/13/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2460 | XX | XX | XX | 27067784 | 1704298661-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2460 | XX | XX | XX | 27067785 | 1704298661-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2460 | XX | XX | XX | 27067786 | 1704298661-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2460 | XX | XX | XX | 27067787 | 1704298661-2212 | 11/13/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2566 | XX | XX | XX | 27067790 | 1704306193-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $211,135.10 is underdisclosed from calculated Finance Charge of $211,275.10 in the amount of $140.00. | Unable to determine under disclosure due to missing TIL Itemization of Amount Financed. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2858 | XX | XX | XX | 27067793 | 1704411147-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2858 | XX | XX | XX | 27067794 | 1704411147-6302 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2858 | XX | XX | XX | 27067796 | 1704411147-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2858 | XX | XX | XX | 27067797 | 1704411147-25688 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2609 | XX | XX | XX | 27067798 | 1704501828-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2346 | XX | XX | XX | 27067800 | 1704890574-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2346 | XX | XX | XX | 27067802 | 1704890574-4967 | 09/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2346 | XX | XX | XX | 27067803 | 1704890574-5445 | 09/20/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2346 | XX | XX | XX | 27067804 | 1704890574-7027 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2346 | XX | XX | XX | 27067805 | 1704890574-7037 | 09/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1985 | XX | XX | XX | 27067806 | 1704708641-7027 | 11/09/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1985 | XX | XX | XX | 27067807 | 1704708641-4087 | 11/09/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1985 | XX | XX | XX | 27067808 | 1704708641-25677 | 11/09/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1985 | XX | XX | XX | 27067809 | 1704708641-3953 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1985 | XX | XX | XX | 27067810 | 1704708641-611 | 11/09/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1985 | XX | XX | XX | 27067811 | 1704708641-22050 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but signature is not dated by borrower so cannot confirm that borrower received at closing. |
2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | ||||||||||
| 2114 | XX | XX | XX | 27067825 | 1704947043-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 2114 | XX | XX | XX | 27067826 | 1704947043-2659 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $499,214.29 is underdisclosed from calculated Finance Charge of $500,074.64 in the amount of $860.35. | Unable to determine under disclosure due to missing itemization of Amount Financed. | 2 | B | XX | DE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2874 | XX | XX | XX | 27067828 | 1705321282-22050 | 08/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2874 | XX | XX | XX | 27067829 | 1705321282-3953 | 08/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2874 | XX | XX | XX | 27067830 | 1705321282-611 | 08/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2874 | XX | XX | XX | 27067831 | 1705321282-613 | 08/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2874 | XX | XX | XX | 27067832 | 1705321282-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2693 | XX | XX | XX | 27067840 | 1705540339-5445 | 12/03/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 2693 | XX | XX | XX | 27067841 | 1705540339-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 2693 | XX | XX | XX | 27067842 | 1705540339-3953 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | OK | Primary | Purchase | B | No | |||||||||||
| 2148 | XX | XX | XX | 27067850 | 1705690538-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2748 | XX | XX | XX | 27067851 | 1705744271-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2748 | XX | XX | XX | 27067852 | 1705744271-2647 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2132 | XX | XX | XX | 27067854 | 1705877389-611 | 12/08/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2132 | XX | XX | XX | 27067855 | 1705877389-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2132 | XX | XX | XX | 27067856 | 1705877389-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2132 | XX | XX | XX | 27067857 | 1705877389-25688 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2132 | XX | XX | XX | 27067858 | 1705877389-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2132 | XX | XX | XX | 27067859 | 1705877389-22050 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2132 | XX | XX | XX | 27067861 | 1705877389-3953 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2338 | XX | XX | XX | 27067866 | 1705909357-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2338 | XX | XX | XX | 27067867 | 1705909357-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2654 | XX | XX | XX | 27067880 | 1707983190-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KS | Primary | Purchase | B | No | |||||||||||||
| 2654 | XX | XX | XX | 27067881 | 1707983190-5445 | 03/16/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2654 | XX | XX | XX | 27067882 | 1707983190-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2654 | XX | XX | XX | 27067883 | 1707983190-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2383 | XX | XX | XX | 27067884 | 1708432974-4088 | 08/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2727 | XX | XX | XX | 27067889 | 1709815925-20780 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Construction-Permanent | B | No | ||||||||||||
| 2037 | XX | XX | XX | 27067900 | 1712232380-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2037 | XX | XX | XX | 27067901 | 1712232380-5431 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2037 | XX | XX | XX | 27067902 | 1712232380-2773 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067933 | 1730819216-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067934 | 1730819216-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067935 | 1730819216-5431 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2239 | XX | XX | XX | 27067936 | 1730819216-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067937 | 1730819216-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067938 | 1730819216-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067939 | 1730819216-2695 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | RESPA (2010): Loan Term on Final GFE does not match Note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067940 | 1730819216-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067941 | 1730819216-2713 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067942 | 1730819216-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067943 | 1730819216-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067944 | 1730819216-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,092.44 is underdisclosed from calculated Finance Charge of $103,166.08 in the amount of $73.64. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2239 | XX | XX | XX | 27067945 | 1730819216-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2239 | XX | XX | XX | 27067946 | 1730819216-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2239 | XX | XX | XX | 27067947 | 1730819216-5437 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067921 | 1730603255-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067922 | 1730603255-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067923 | 1730603255-5430 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2614 | XX | XX | XX | 27067924 | 1730603255-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2614 | XX | XX | XX | 27067925 | 1730603255-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067926 | 1730603255-2691 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067927 | 1730603255-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067928 | 1730603255-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067929 | 1730603255-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067930 | 1730603255-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2614 | XX | XX | XX | 27067931 | 1730603255-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2355 | XX | XX | XX | 27067962 | 1730925382-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067963 | 1730925382-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067964 | 1730925382-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067965 | 1730925382-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067966 | 1730925382-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067967 | 1730925382-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067968 | 1730925382-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067969 | 1730925382-3070 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2355 | XX | XX | XX | 27067970 | 1730925382-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2080 | XX | XX | XX | 27067972 | 1731422810-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067973 | 1731422810-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067974 | 1731422810-5438 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067975 | 1731422810-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067976 | 1731422810-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067977 | 1731422810-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067978 | 1731422810-2713 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067979 | 1731422810-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067980 | 1731422810-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2080 | XX | XX | XX | 27067981 | 1731422810-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,149.16 is underdisclosed from calculated Finance Charge of $114,602.57 in the amount of $453.41. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2080 | XX | XX | XX | 27067982 | 1731422810-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2080 | XX | XX | XX | 27067983 | 1731422810-5429 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2080 | XX | XX | XX | 27067984 | 1731422810-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2529 | XX | XX | XX | 27067985 | 1731548964-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2529 | XX | XX | XX | 27067986 | 1731548964-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2416 | XX | XX | XX | 27068002 | 4002800697-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TN | Primary | Purchase | B | No | |||||||||||||
| 1904 | XX | XX | XX | 27068006 | 4002671891-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 1904 | XX | XX | XX | 27068007 | 4002671891-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 1904 | XX | XX | XX | 27068008 | 4002671891-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 2567 | XX | XX | XX | 27068010 | 1733153236-3141 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2567 | XX | XX | XX | 27068011 | 1733153236-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 2913 | XX | XX | XX | 27068012 | 4002473341-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2453 | XX | XX | XX | 27068014 | 4003016608-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $233,937.94 is underdisclosed from calculated Finance Charge of $234,438.99 in the amount of $501.05. | Unable to determine under disclosure, due to missing itemization of amount financed. | 2 | B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2414 | XX | XX | XX | 27068016 | 4003086725-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2414 | XX | XX | XX | 27068017 | 4003086725-25902 | 01/14/2021 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2420 | XX | XX | XX | 27068018 | 4003111202-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TN | Primary | Purchase | B | No | |||||||||||||
| 2030 | XX | XX | XX | 27068031 | 4003183664-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2030 | XX | XX | XX | 27068032 | 4003183664-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2030 | XX | XX | XX | 27068033 | 4003183664-22137 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2030 | XX | XX | XX | 27068034 | 4003183664-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2030 | XX | XX | XX | 27068035 | 4003183664-7039 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2030 | XX | XX | XX | 27068036 | 4003183664-7040 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2030 | XX | XX | XX | 27068038 | 4003183664-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2030 | XX | XX | XX | 27068039 | 4003183664-613 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2030 | XX | XX | XX | 27068040 | 4003183664-611 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2248 | XX | XX | XX | 27068043 | 4003188678-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2248 | XX | XX | XX | 27068046 | 4003188678-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2248 | XX | XX | XX | 27068047 | 4003188678-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2248 | XX | XX | XX | 27068048 | 4003188678-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2248 | XX | XX | XX | 27068049 | 4003188678-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2675 | XX | XX | XX | 27068051 | 4003250873-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AR | Primary | Purchase | B | No | |||||||||||||
| 2675 | XX | XX | XX | 27068052 | 4003250873-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 2675 | XX | XX | XX | 27068053 | 4003250873-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 2648 | XX | XX | XX | 27068063 | 4003495689-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2648 | XX | XX | XX | 27068064 | 4003495689-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | KS | Primary | Purchase | B | No | |||||||||||||
| 2648 | XX | XX | XX | 27068065 | 4003495689-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | KS | Primary | Purchase | B | No | |||||||||||||
| 2648 | XX | XX | XX | 27068067 | 4003495689-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | KS | Primary | Purchase | B | No | |||||||||||||
| 2648 | XX | XX | XX | 27068068 | 4003495689-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2388 | XX | XX | XX | 27068071 | 4003588136-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2102 | XX | XX | XX | 27068075 | 4003511938-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $65,670.10 is underdisclosed from calculated Finance Charge of $65,990.91 in the amount of $320.81. | Unable to determine reason for under disclosure due to missing itemization of amount financed. | 2 | B | XX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2673 | XX | XX | XX | 27068082 | 4003689608-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2449 | XX | XX | XX | 27068085 | 4003946561-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2449 | XX | XX | XX | 27068087 | 4003946561-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2449 | XX | XX | XX | 27068088 | 4003946561-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2449 | XX | XX | XX | 27068089 | 4003946561-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2521 | XX | XX | XX | 27068104 | 4004038106-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2078 | XX | XX | XX | 27068120 | 4004601444-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Second Home | Purchase | B | No | ||||||||||||
| 2094 | XX | XX | XX | 27068134 | 4004774697-3928 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2094 | XX | XX | XX | 27068135 | 4004774697-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2363 | XX | XX | XX | 27068137 | 4004473417-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 2363 | XX | XX | XX | 27068138 | 4004473417-20780 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2363 | XX | XX | XX | 27068141 | 4004473417-3494 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2363 | XX | XX | XX | 27068142 | 4004473417-4967 | 06/22/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 2363 | XX | XX | XX | 27068144 | 4004473417-31485 | 07/18/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 2031 | XX | XX | XX | 27068148 | 4004843500-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2031 | XX | XX | XX | 27068149 | 4004843500-25687 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2031 | XX | XX | XX | 27068150 | 4004843500-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2031 | XX | XX | XX | 27068151 | 4004843500-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2312 | XX | XX | XX | 27068152 | 4004846432-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $403,813.01 is underdisclosed from calculated Finance Charge of $407,095.43 in the amount of $3,282.42. | The Final TIL figures do not correlate with the terms of Note and Prepaid Finance Charges on HUD. | 2 | B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2312 | XX | XX | XX | 27068153 | 4004846432-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2312 | XX | XX | XX | 27068154 | 4004846432-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2757 | XX | XX | XX | 27068156 | 4004863045-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2763 | XX | XX | XX | 27068159 | 4004863399-6576 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2763 | XX | XX | XX | 27068160 | 4004863399-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2763 | XX | XX | XX | 27068161 | 4004863399-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2187 | XX | XX | XX | 27068163 | 4004936885-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | WV | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2187 | XX | XX | XX | 27068165 | 4004936885-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | WV | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2187 | XX | XX | XX | 27068166 | 4004936885-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | WV | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2438 | XX | XX | XX | 27068171 | 4005046006-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2498 | XX | XX | XX | 27068178 | 4005273431-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2498 | XX | XX | XX | 27068179 | 4005273431-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2498 | XX | XX | XX | 27068180 | 4005273431-1974 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2498 | XX | XX | XX | 27068181 | 4005273431-1977 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2498 | XX | XX | XX | 27068182 | 4005273431-6589 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2237 | XX | XX | XX | 27068190 | 4005443181-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2237 | XX | XX | XX | 27068191 | 4005443181-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2237 | XX | XX | XX | 27068192 | 4005443181-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2237 | XX | XX | XX | 27068193 | 4005443181-2778 | 12/03/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2133 | XX | XX | XX | 27068194 | 4005413132-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2207 | XX | XX | XX | 27068196 | 4005568435-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2190 | XX | XX | XX | 27068204 | 4005785371-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2732 | XX | XX | XX | 27068206 | 4005864177-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2732 | XX | XX | XX | 27068207 | 4005864177-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2119 | XX | XX | XX | 27068211 | 4009586751-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2192 | XX | XX | XX | 27068213 | 4007150329-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068214 | 4007150329-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068215 | 4007150329-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068216 | 4007150329-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068217 | 4007150329-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068218 | 4007150329-2688 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068219 | 4007150329-3353 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068220 | 4007150329-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2192 | XX | XX | XX | 27068221 | 4007150329-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 2192 | XX | XX | XX | 27068222 | 4007150329-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 2192 | XX | XX | XX | 27068225 | 4007150329-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 2192 | XX | XX | XX | 27068226 | 4007150329-18330 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 2604 | XX | XX | XX | 27068227 | 1733735268-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2604 | XX | XX | XX | 27068228 | 1733735268-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068229 | 1733735268-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068230 | 1733735268-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068231 | 1733735268-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068232 | 1733735268-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068233 | 1733735268-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2604 | XX | XX | XX | 27068234 | 1733735268-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2347 | XX | XX | XX | 27068242 | 1733645340-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2347 | XX | XX | XX | 27068243 | 1733645340-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2347 | XX | XX | XX | 27068244 | 1733645340-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2510 | XX | XX | XX | 27068252 | 1733571718-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2817 | XX | XX | XX | 27068253 | 1733472062-5791 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2817 | XX | XX | XX | 27068254 | 1733472062-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2721 | XX | XX | XX | 27068255 | 1733559824-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2721 | XX | XX | XX | 27068256 | 1733559824-3180 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - First Change Date on GFE Inaccurate | RESPA (2010): First Change Date on GFE does not match First Change Date on Note. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2721 | XX | XX | XX | 27068257 | 1733559824-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2721 | XX | XX | XX | 27068258 | 1733559824-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2721 | XX | XX | XX | 27068259 | 1733559824-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2721 | XX | XX | XX | 27068260 | 1733559824-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2155 | XX | XX | XX | 27068261 | 1733450442-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068262 | 1733450442-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068263 | 1733450442-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068264 | 1733450442-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068265 | 1733450442-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068266 | 1733450442-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2155 | XX | XX | XX | 27068267 | 1733450442-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068269 | 1733405519-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068270 | 1733405519-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068271 | 1733405519-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068272 | 1733405519-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068273 | 1733405519-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068274 | 1733405519-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068275 | 1733405519-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068276 | 1733405519-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068277 | 1733405519-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068278 | 1733405519-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068279 | 1733405519-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2832 | XX | XX | XX | 27068280 | 1733405519-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 2694 | XX | XX | XX | 27068283 | 1733359485-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2694 | XX | XX | XX | 27068284 | 1733359485-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068286 | 4010012349-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068287 | 4010012349-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068288 | 4010012349-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068289 | 4010012349-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068290 | 4010012349-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068291 | 4010012349-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068292 | 4010012349-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068293 | 4010012349-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068294 | 4010012349-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2076 | XX | XX | XX | 27068295 | 4010012349-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2745 | XX | XX | XX | 27068296 | 4009894909-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2745 | XX | XX | XX | 27068297 | 4009894909-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2745 | XX | XX | XX | 27068298 | 4009894909-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2745 | XX | XX | XX | 27068299 | 4009894909-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068315 | 1733068413-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068316 | 1733068413-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068317 | 1733068413-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068318 | 1733068413-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068319 | 1733068413-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2022 | XX | XX | XX | 27068320 | 1733068413-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2315 | XX | XX | XX | 27068321 | 1732976237-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2315 | XX | XX | XX | 27068322 | 1732976237-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2315 | XX | XX | XX | 27068323 | 1732976237-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2868 | XX | XX | XX | 27068327 | 1732770627-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2868 | XX | XX | XX | 27068328 | 1732770627-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2664 | XX | XX | XX | 27068330 | 1732950379-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2664 | XX | XX | XX | 27068331 | 1732950379-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2846 | XX | XX | XX | 27068337 | 1732524101-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2846 | XX | XX | XX | 27068338 | 1732524101-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2846 | XX | XX | XX | 27068339 | 1732524101-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2846 | XX | XX | XX | 27068340 | 1732524101-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2846 | XX | XX | XX | 27068341 | 1732524101-768 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: 06/XX/2013 | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068346 | 1732518011-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068347 | 1732518011-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068348 | 1732518011-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068349 | 1732518011-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068350 | 1732518011-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068351 | 1732518011-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068352 | 1732518011-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068353 | 1732518011-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2272 | XX | XX | XX | 27068354 | 1732518011-3140 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Unable to determine due to missing initial application date | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||
| 2772 | XX | XX | XX | 27068355 | 1732447567-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2772 | XX | XX | XX | 27068356 | 1732447567-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2772 | XX | XX | XX | 27068357 | 1732447567-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2772 | XX | XX | XX | 27068358 | 1732447567-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2772 | XX | XX | XX | 27068359 | 1732447567-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2772 | XX | XX | XX | 27068360 | 1732447567-2788 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1965 | XX | XX | XX | 27068361 | 1732494947-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1965 | XX | XX | XX | 27068362 | 1732494947-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1965 | XX | XX | XX | 27068363 | 1732494947-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1965 | XX | XX | XX | 27068364 | 1732494947-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068365 | 1732418765-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068366 | 1732418765-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068367 | 1732418765-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068368 | 1732418765-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068369 | 1732418765-2210 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068370 | 1732418765-31490 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068371 | 1732418765-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2455 | XX | XX | XX | 27068372 | 1732418765-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Purchase | B | No | |||||||||||||
| 2169 | XX | XX | XX | 27068374 | 1732518500-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2169 | XX | XX | XX | 27068375 | 1732518500-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2169 | XX | XX | XX | 27068376 | 1732518500-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2169 | XX | XX | XX | 27068377 | 1732518500-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2169 | XX | XX | XX | 27068378 | 1732518500-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2169 | XX | XX | XX | 27068379 | 1732518500-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068380 | 1732418939-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1996 | XX | XX | XX | 27068382 | 1732418939-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068383 | 1732418939-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068384 | 1732418939-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068385 | 1732418939-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068386 | 1732418939-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068387 | 1732418939-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068388 | 1732418939-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068389 | 1732418939-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068390 | 1732418939-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1996 | XX | XX | XX | 27068391 | 1732418939-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1947 | XX | XX | XX | 27068412 | 1732233857-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1947 | XX | XX | XX | 27068413 | 1732233857-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1947 | XX | XX | XX | 27068414 | 1732233857-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $288,850.56 is underdisclosed from calculated Finance Charge of $291,799.61 in the amount of $2,949.05. | Unable to determine under disclosure due to missing amortization schedule. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2725 | XX | XX | XX | 27068446 | 1732148078-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2725 | XX | XX | XX | 27068447 | 1732148078-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2725 | XX | XX | XX | 27068448 | 1732148078-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2725 | XX | XX | XX | 27068449 | 1732148078-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2725 | XX | XX | XX | 27068450 | 1732148078-2794 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2725 | XX | XX | XX | 27068451 | 1732148078-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2857 | XX | XX | XX | 27068453 | 1732233645-5440 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 2857 | XX | XX | XX | 27068454 | 1732233645-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2857 | XX | XX | XX | 27068455 | 1732233645-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2857 | XX | XX | XX | 27068456 | 1732233645-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2857 | XX | XX | XX | 27068457 | 1732233645-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068458 | 1732219827-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068459 | 1732219827-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068460 | 1732219827-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068461 | 1732219827-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068462 | 1732219827-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068463 | 1732219827-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068464 | 1732219827-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068465 | 1732219827-2705 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2385 | XX | XX | XX | 27068466 | 1732219827-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2877 | XX | XX | XX | 27068475 | 1731935066-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2877 | XX | XX | XX | 27068476 | 1731935066-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1915 | XX | XX | XX | 27068486 | 1731754937-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1915 | XX | XX | XX | 27068487 | 1731754937-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1915 | XX | XX | XX | 27068488 | 1731754937-7042 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | VT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2452 | XX | XX | XX | 27068526 | 1731754600-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2452 | XX | XX | XX | 27068527 | 1731754600-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2452 | XX | XX | XX | 27068528 | 1731754600-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2452 | XX | XX | XX | 27068529 | 1731754600-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2452 | XX | XX | XX | 27068530 | 1731754600-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2122 | XX | XX | XX | 27068532 | 1731679383-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | |||||||||||||
| 2122 | XX | XX | XX | 27068534 | 1731679383-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | |||||||||||||
| 2122 | XX | XX | XX | 27068535 | 1731679383-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068536 | 1731679383-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2013 used as disbursement date for compliance testing. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068537 | 1731679383-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068538 | 1731679383-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068539 | 1731679383-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068540 | 1731679383-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068541 | 1731679383-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068542 | 1731679383-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068543 | 1731679383-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068544 | 1731679383-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2122 | XX | XX | XX | 27068545 | 1731679383-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068546 | 1731679383-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068547 | 1731679383-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068548 | 1731679383-24729 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068549 | 1731679383-4180 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 2122 | XX | XX | XX | 27068550 | 1731679383-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MD | Primary | Refinance - UTD | D | No | ||||||||||||
| 1958 | XX | XX | XX | 27068551 | 1731718233-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068552 | 1731718233-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068553 | 1731718233-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068554 | 1731718233-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068555 | 1731718233-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068556 | 1731718233-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068557 | 1731718233-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068558 | 1731718233-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1958 | XX | XX | XX | 27068559 | 1731718233-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2898 | XX | XX | XX | 27068579 | 1731739243-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | HI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2898 | XX | XX | XX | 27068580 | 1731739243-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | HI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2898 | XX | XX | XX | 27068581 | 1731739243-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | HI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2898 | XX | XX | XX | 27068582 | 1731739243-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | HI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2898 | XX | XX | XX | 27068583 | 1731739243-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | HI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2404 | XX | XX | XX | 27068586 | 1731547369-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TN | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2865 | XX | XX | XX | 27068605 | 1731612736-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | |||||||||||||
| 2865 | XX | XX | XX | 27068607 | 1731612736-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | UTD | UTD - UTD | D | No | |||||||||||||
| 2865 | XX | XX | XX | 27068608 | 1731612736-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | |||||||||||||
| 2865 | XX | XX | XX | 27068609 | 1731612736-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068610 | 1731612736-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2013 used as disbursement date for compliance testing. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068611 | 1731612736-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068612 | 1731612736-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068613 | 1731612736-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068614 | 1731612736-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068615 | 1731612736-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068616 | 1731612736-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068617 | 1731612736-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068618 | 1731612736-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2865 | XX | XX | XX | 27068619 | 1731612736-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2865 | XX | XX | XX | 27068620 | 1731612736-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | UTD | UTD - UTD | D | No | ||||||||||||
| 2177 | XX | XX | XX | 27068668 | 1731489472-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2177 | XX | XX | XX | 27068669 | 1731489472-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2177 | XX | XX | XX | 27068670 | 1731489472-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2177 | XX | XX | XX | 27068671 | 1731489472-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068714 | 1731396537-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1923 | XX | XX | XX | 27068716 | 1731396537-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068717 | 1731396537-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068718 | 1731396537-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068719 | 1731396537-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068720 | 1731396537-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068721 | 1731396537-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1923 | XX | XX | XX | 27068722 | 1731396537-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2522 | XX | XX | XX | 27068641 | 1731225145-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 2522 | XX | XX | XX | 27068642 | 1731225145-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 2522 | XX | XX | XX | 27068643 | 1731225145-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | |||||||||||||
| 2522 | XX | XX | XX | 27068644 | 1731225145-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068645 | 1731225145-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2013 used as disbursement date for compliance testing. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068646 | 1731225145-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068647 | 1731225145-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068648 | 1731225145-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068649 | 1731225145-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068650 | 1731225145-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068651 | 1731225145-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068652 | 1731225145-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068653 | 1731225145-1973 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068654 | 1731225145-1976 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068655 | 1731225145-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068656 | 1731225145-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2522 | XX | XX | XX | 27068657 | 1731225145-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2522 | XX | XX | XX | 27068658 | 1731225145-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | UTD | UTD - UTD | D | No | ||||||||||||
| 2291 | XX | XX | XX | 27068672 | 1731224082-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068673 | 1731224082-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068674 | 1731224082-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068675 | 1731224082-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068676 | 1731224082-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068677 | 1731224082-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068678 | 1731224082-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068679 | 1731224082-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068680 | 1731224082-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2291 | XX | XX | XX | 27068681 | 1731224082-7039 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2581 | XX | XX | XX | 27068682 | 1731430189-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2581 | XX | XX | XX | 27068683 | 1731430189-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2581 | XX | XX | XX | 27068684 | 1731430189-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2581 | XX | XX | XX | 27068685 | 1731430189-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2581 | XX | XX | XX | 27068686 | 1731430189-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068688 | 1731462509-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068689 | 1731462509-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068690 | 1731462509-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068691 | 1731462509-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068692 | 1731462509-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068693 | 1731462509-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068694 | 1731462509-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068695 | 1731462509-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068696 | 1731462509-3071 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068697 | 1731462509-3074 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068698 | 1731462509-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $214,068.04 is underdisclosed from calculated Finance Charge of $215,109.37 in the amount of $1,041.33. | The TIL Itemization did not disclose a mortgage insurance reserve of $1858.05 as prepaid finance charges. Tax escrow that was included in the TIL escrows were not disclosed or collected on the HUD. | 2 | B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2143 | XX | XX | XX | 27068700 | 1731462509-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068701 | 1731462509-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068702 | 1731462509-24729 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2143 | XX | XX | XX | 27068703 | 1731462509-20745 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068738 | 1731020760-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068739 | 1731020760-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068740 | 1731020760-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068741 | 1731020760-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068742 | 1731020760-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2126 | XX | XX | XX | 27068743 | 1731020760-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068744 | 1731020760-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068745 | 1731020760-2692 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068746 | 1731020760-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068747 | 1731020760-2695 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | RESPA (2010): Loan Term on Final GFE does not match Note. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068748 | 1731020760-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068749 | 1731020760-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068750 | 1731020760-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068751 | 1731020760-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068752 | 1731020760-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068753 | 1731020760-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068754 | 1731020760-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068755 | 1731020760-3070 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2126 | XX | XX | XX | 27068756 | 1731020760-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2349 | XX | XX | XX | 27068779 | 1730925548-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068780 | 1730925548-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068781 | 1730925548-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068782 | 1730925548-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2349 | XX | XX | XX | 27068783 | 1730925548-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068784 | 1730925548-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068785 | 1730925548-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068786 | 1730925548-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068787 | 1730925548-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068788 | 1730925548-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2349 | XX | XX | XX | 27068789 | 1730925548-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2075 | XX | XX | XX | 27068790 | 1730951218-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2075 | XX | XX | XX | 27068791 | 1730951218-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2075 | XX | XX | XX | 27068792 | 1730951218-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2075 | XX | XX | XX | 27068793 | 1730951218-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2075 | XX | XX | XX | 27068794 | 1730951218-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2075 | XX | XX | XX | 27068795 | 1730951218-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2075 | XX | XX | XX | 27068796 | 1730951218-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068798 | 1730818665-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068799 | 1730818665-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2176 | XX | XX | XX | 27068800 | 1730818665-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068801 | 1730818665-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068802 | 1730818665-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068803 | 1730818665-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068804 | 1730818665-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068805 | 1730818665-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2176 | XX | XX | XX | 27068806 | 1730818665-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2814 | XX | XX | XX | 27068808 | 1730816213-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068809 | 1730816213-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068810 | 1730816213-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068811 | 1730816213-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068812 | 1730816213-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2814 | XX | XX | XX | 27068813 | 1730816213-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068814 | 1730816213-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068815 | 1730816213-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2814 | XX | XX | XX | 27068816 | 1730816213-20779 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068817 | 1730818449-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068818 | 1730818449-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068819 | 1730818449-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2137 | XX | XX | XX | 27068820 | 1730818449-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068821 | 1730818449-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068822 | 1730818449-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068823 | 1730818449-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068824 | 1730818449-2705 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068825 | 1730818449-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068826 | 1730818449-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068827 | 1730818449-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068828 | 1730818449-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068829 | 1730818449-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2137 | XX | XX | XX | 27068830 | 1730818449-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2137 | XX | XX | XX | 27068831 | 1730818449-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2344 | XX | XX | XX | 27068833 | 1730816980-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068834 | 1730816980-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068835 | 1730816980-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068836 | 1730816980-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068837 | 1730816980-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068838 | 1730816980-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068839 | 1730816980-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068840 | 1730816980-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068841 | 1730816980-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068842 | 1730816980-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068843 | 1730816980-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068844 | 1730816980-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2344 | XX | XX | XX | 27068845 | 1730816980-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2350 | XX | XX | XX | 27068848 | 1730817702-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068849 | 1730817702-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068850 | 1730817702-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068851 | 1730817702-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068852 | 1730817702-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068853 | 1730817702-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068854 | 1730817702-2692 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068855 | 1730817702-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068856 | 1730817702-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068857 | 1730817702-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068858 | 1730817702-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068859 | 1730817702-3070 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2350 | XX | XX | XX | 27068860 | 1730817702-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2350 | XX | XX | XX | 27068861 | 1730817702-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2786 | XX | XX | XX | 27068862 | 1730711543-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068863 | 1730711543-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068864 | 1730711543-5428 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2786 | XX | XX | XX | 27068865 | 1730711543-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068866 | 1730711543-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068867 | 1730711543-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068868 | 1730711543-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068869 | 1730711543-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2786 | XX | XX | XX | 27068870 | 1730711543-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2786 | XX | XX | XX | 27068872 | 1730711543-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2792 | XX | XX | XX | 27068874 | 1730714561-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068875 | 1730714561-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068876 | 1730714561-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068877 | 1730714561-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068878 | 1730714561-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068879 | 1730714561-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068880 | 1730714561-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068881 | 1730714561-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068882 | 1730714561-5430 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2792 | XX | XX | XX | 27068883 | 1730714561-5432 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2792 | XX | XX | XX | 27068884 | 1730714561-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068885 | 1730714561-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068886 | 1730714561-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068887 | 1730714561-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068888 | 1730714561-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068889 | 1730714561-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068890 | 1730714561-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068891 | 1730714561-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068892 | 1730714561-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2792 | XX | XX | XX | 27068893 | 1730714561-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $143,563.79 is underdisclosed from calculated Finance Charge of $143,795.60 in the amount of $231.81. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2792 | XX | XX | XX | 27068894 | 1730714561-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2513 | XX | XX | XX | 27068896 | 1730712807-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2513 | XX | XX | XX | 27068897 | 1730712807-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068898 | 1730712807-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068899 | 1730712807-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068900 | 1730712807-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068901 | 1730712807-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068902 | 1730712807-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068903 | 1730712807-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068904 | 1730712807-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068905 | 1730712807-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068906 | 1730712807-1973 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068907 | 1730712807-1976 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068908 | 1730712807-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2513 | XX | XX | XX | 27068909 | 1730712807-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2167 | XX | XX | XX | 27068918 | 1730989519-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068919 | 1730989519-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068920 | 1730989519-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068921 | 1730989519-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068922 | 1730989519-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068923 | 1730989519-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068924 | 1730989519-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068925 | 1730989519-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068926 | 1730989519-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2167 | XX | XX | XX | 27068927 | 1730989519-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068928 | 1730989519-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068929 | 1730989519-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068930 | 1730989519-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068931 | 1730989519-2794 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068932 | 1730989519-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068933 | 1730989519-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068934 | 1730989519-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068935 | 1730989519-3071 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068936 | 1730989519-3074 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2167 | XX | XX | XX | 27068937 | 1730989519-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2167 | XX | XX | XX | 27068938 | 1730989519-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069047 | 1730603893-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069048 | 1730603893-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069049 | 1730603893-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069050 | 1730603893-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2399 | XX | XX | XX | 27069051 | 1730603893-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069052 | 1730603893-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069053 | 1730603893-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069054 | 1730603893-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069055 | 1730603893-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2399 | XX | XX | XX | 27069056 | 1730603893-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2399 | XX | XX | XX | 27069057 | 1730603893-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2399 | XX | XX | XX | 27069059 | 1730603893-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27068994 | 1730663096-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27068995 | 1730663096-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27068996 | 1730663096-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27068997 | 1730663096-5430 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2576 | XX | XX | XX | 27068998 | 1730663096-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2576 | XX | XX | XX | 27068999 | 1730663096-5432 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2576 | XX | XX | XX | 27069000 | 1730663096-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069001 | 1730663096-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069002 | 1730663096-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069003 | 1730663096-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069004 | 1730663096-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069005 | 1730663096-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069006 | 1730663096-20735 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069007 | 1730663096-1992 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2576 | XX | XX | XX | 27069008 | 1730663096-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2292 | XX | XX | XX | 27069009 | 1730399568-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069010 | 1730399568-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069011 | 1730399568-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069012 | 1730399568-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2292 | XX | XX | XX | 27069013 | 1730399568-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069014 | 1730399568-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069015 | 1730399568-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069016 | 1730399568-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069017 | 1730399568-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2292 | XX | XX | XX | 27069018 | 1730399568-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2166 | XX | XX | XX | 27069020 | 1730468226-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069021 | 1730468226-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2012 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069022 | 1730468226-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069023 | 1730468226-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069024 | 1730468226-5334 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069025 | 1730468226-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069026 | 1730468226-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069027 | 1730468226-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069028 | 1730468226-3353 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069029 | 1730468226-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2166 | XX | XX | XX | 27069030 | 1730468226-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069031 | 1730468226-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | |||||||||||||
| 2166 | XX | XX | XX | 27069032 | 1730468226-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2166 | XX | XX | XX | 27069033 | 1730468226-5681 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2831 | XX | XX | XX | 27069036 | 1730481576-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 2831 | XX | XX | XX | 27069037 | 1730481576-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069038 | 1730481576-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069039 | 1730481576-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069040 | 1730481576-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069041 | 1730481576-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069042 | 1730481576-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069043 | 1730481576-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069044 | 1730481576-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2831 | XX | XX | XX | 27069045 | 1730481576-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069060 | 1730280320-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069061 | 1730280320-5428 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2808 | XX | XX | XX | 27069062 | 1730280320-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069063 | 1730280320-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069064 | 1730280320-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069065 | 1730280320-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069066 | 1730280320-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069067 | 1730280320-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069068 | 1730280320-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2808 | XX | XX | XX | 27069069 | 1730280320-20779 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. | 2 | B | XX | NV | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069071 | 1730225087-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069072 | 1730225087-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069073 | 1730225087-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069074 | 1730225087-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069075 | 1730225087-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069076 | 1730225087-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069077 | 1730225087-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069078 | 1730225087-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069079 | 1730225087-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069080 | 1730225087-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069081 | 1730225087-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069082 | 1730225087-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2743 | XX | XX | XX | 27069083 | 1730225087-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $52,522.11 is underdisclosed from calculated Finance Charge of $52,839.14 in the amount of $317.03. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2743 | XX | XX | XX | 27069084 | 1730225087-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2743 | XX | XX | XX | 27069085 | 1730225087-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2408 | XX | XX | XX | 27069086 | 1730262628-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2408 | XX | XX | XX | 27069087 | 1730262628-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069088 | 1730262628-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069089 | 1730262628-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069090 | 1730262628-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069091 | 1730262628-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069092 | 1730262628-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2408 | XX | XX | XX | 27069093 | 1730262628-5431 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2408 | XX | XX | XX | 27069094 | 1730262628-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2408 | XX | XX | XX | 27069095 | 1730262628-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069096 | 1730262628-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069097 | 1730262628-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069098 | 1730262628-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069099 | 1730262628-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069100 | 1730262628-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069101 | 1730262628-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2408 | XX | XX | XX | 27069102 | 1730262628-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2770 | XX | XX | XX | 27069114 | 1730224655-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069115 | 1730224655-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069116 | 1730224655-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069117 | 1730224655-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069118 | 1730224655-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2770 | XX | XX | XX | 27069119 | 1730224655-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069120 | 1730224655-2692 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069121 | 1730224655-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069122 | 1730224655-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069123 | 1730224655-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069124 | 1730224655-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069125 | 1730224655-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069126 | 1730224655-2788 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069127 | 1730224655-3488 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado MLO Licensing Act - NMLS ID not on 1003 | Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2770 | XX | XX | XX | 27069128 | 1730224655-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2770 | XX | XX | XX | 27069129 | 1730224655-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2770 | XX | XX | XX | 27069130 | 1730224655-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $250,918.01 is underdisclosed from calculated Finance Charge of $251,002.89 in the amount of $84.88. | Under disclosure is due to the lender’s TIL reflecting MI being in force for 136 months, however based on the loan amount and appraised value the MI would be in force for 137 months. | 2 | B | XX | CO | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1980 | XX | XX | XX | 27069145 | 1730148892-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069146 | 1730154267-3350 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Interest rate available through date not provided. | GFE Date: 07/XX/2012 Interest Rate Available Through Date is blank for GFE dated 07/XX/2012. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069147 | 1730154267-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2389 | XX | XX | XX | 27069148 | 1730154267-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069149 | 1730154267-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069150 | 1730154267-6509 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069151 | 1730154267-2773 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2389 | XX | XX | XX | 27069152 | 1730154267-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069162 | 1717361565-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 2335 | XX | XX | XX | 27069163 | 1717361565-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069164 | 1717361565-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069165 | 1717361565-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069166 | 1717361565-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069167 | 1717361565-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2335 | XX | XX | XX | 27069168 | 1717361565-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069170 | 1717096532-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 2516 | XX | XX | XX | 27069171 | 1717096532-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 2516 | XX | XX | XX | 27069172 | 1717096532-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069173 | 1717096532-27758 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Pre-Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069174 | 1717096532-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069175 | 1717096532-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069176 | 1717096532-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069177 | 1717096532-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069178 | 1717096532-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069179 | 1717096532-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069180 | 1717096532-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2516 | XX | XX | XX | 27069181 | 1717096532-3070 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069192 | 1716839276-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069193 | 1716839276-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069194 | 1716839276-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069195 | 1716839276-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069196 | 1716839276-6509 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069197 | 1716839276-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069198 | 1716839276-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069199 | 1716839276-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069200 | 1716839276-2691 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069201 | 1716839276-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2053 | XX | XX | XX | 27069202 | 1716839276-3353 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069203 | 1716879392-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069204 | 1716879392-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069205 | 1716879392-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069206 | 1716879392-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069207 | 1716879392-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069208 | 1716879392-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069209 | 1716879392-2692 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069210 | 1716879392-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1983 | XX | XX | XX | 27069211 | 1716879392-2773 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2298 | XX | XX | XX | 27069212 | 1716878176-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2298 | XX | XX | XX | 27069213 | 1716878176-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2298 | XX | XX | XX | 27069214 | 1716878176-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069220 | 1716151492-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069221 | 1716151492-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069222 | 1716151492-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069223 | 1716151492-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069224 | 1716151492-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069225 | 1716151492-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069226 | 1716151492-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069227 | 1716151492-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069228 | 1716151492-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069229 | 1716151492-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069230 | 1716151492-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2855 | XX | XX | XX | 27069231 | 1716151492-3079 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069244 | 1716292757-5435 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069245 | 1716292757-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069246 | 1716292757-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069247 | 1716292757-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069248 | 1716292757-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069249 | 1716292757-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069250 | 1716292757-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069251 | 1716292757-2499 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069252 | 1716292757-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2915 | XX | XX | XX | 27069253 | 1716292757-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2541 | XX | XX | XX | 27069254 | 1715940943-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2541 | XX | XX | XX | 27069255 | 1715940943-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2541 | XX | XX | XX | 27069256 | 1715940943-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2541 | XX | XX | XX | 27069257 | 1715940943-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2002 | XX | XX | XX | 27069258 | 1715951524-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069259 | 1715951524-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069260 | 1715951524-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069261 | 1715951524-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069262 | 1715951524-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069263 | 1715951524-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069264 | 1715951524-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2002 | XX | XX | XX | 27069266 | 1715951524-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2423 | XX | XX | XX | 27069269 | 1715169441-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1931 | XX | XX | XX | 27069270 | 1715222069-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1931 | XX | XX | XX | 27069271 | 1715222069-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1931 | XX | XX | XX | 27069272 | 1715222069-7042 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1931 | XX | XX | XX | 27069273 | 1715222069-2691 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2013 | XX | XX | XX | 27069274 | 1713898769-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2013 | XX | XX | XX | 27069275 | 1713898769-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2747 | XX | XX | XX | 27069276 | 1713702019-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2747 | XX | XX | XX | 27069277 | 1713702019-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2747 | XX | XX | XX | 27069278 | 1713702019-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069284 | 1713489077-25158 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069285 | 1713489077-2684 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069286 | 1713489077-2687 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069287 | 1713489077-2691 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069288 | 1713489077-3063 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069289 | 1713489077-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2282 | XX | XX | XX | 27069290 | 1713489077-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2546 | XX | XX | XX | 27069313 | 1712312265-25158 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2546 | XX | XX | XX | 27069314 | 1712312265-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069315 | 1712283567-2687 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069316 | 1712283567-2691 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069317 | 1712283567-2706 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069318 | 1712283567-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069319 | 1712283567-18362 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069320 | 1712283567-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2785 | XX | XX | XX | 27069321 | 1712283567-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2052 | XX | XX | XX | 27069322 | 1711564168-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2052 | XX | XX | XX | 27069323 | 1711564168-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check | B | No | |||||||||||
| 2052 | XX | XX | XX | 27069324 | 1711564168-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2052 | XX | XX | XX | 27069325 | 1711564168-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2052 | XX | XX | XX | 27069326 | 1711564168-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2052 | XX | XX | XX | 27069327 | 1711564168-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2052 | XX | XX | XX | 27069328 | 1711564168-24983 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2052 | XX | XX | XX | 27069329 | 1711564168-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2047 | XX | XX | XX | 27069330 | 1711466202-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2047 | XX | XX | XX | 27069331 | 1711466202-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2047 | XX | XX | XX | 27069332 | 1711466202-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $227,103.46 is underdisclosed from calculated Finance Charge of $227,158.65 in the amount of $55.19. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2406 | XX | XX | XX | 27069341 | 1710378066-611 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2406 | XX | XX | XX | 27069342 | 1710378066-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2406 | XX | XX | XX | 27069343 | 1710378066-3353 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2406 | XX | XX | XX | 27069344 | 1710378066-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2827 | XX | XX | XX | 27069345 | 1710299538-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2827 | XX | XX | XX | 27069346 | 1710299538-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2015 | XX | XX | XX | 27069347 | 1710163195-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2015 | XX | XX | XX | 27069348 | 1710163195-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2302 | XX | XX | XX | 27069351 | 1709496431-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2044 | XX | XX | XX | 27069360 | 1709462828-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2903 | XX | XX | XX | 27069361 | 1709495679-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2670 | XX | XX | XX | 27069390 | 1709344189-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2670 | XX | XX | XX | 27069391 | 1709344189-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2670 | XX | XX | XX | 27069392 | 1709344189-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2670 | XX | XX | XX | 27069393 | 1709344189-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2224 | XX | XX | XX | 27069383 | 1708855571-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2224 | XX | XX | XX | 27069384 | 1708855571-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2224 | XX | XX | XX | 27069385 | 1708855571-5662 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2224 | XX | XX | XX | 27069387 | 1708855571-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2575 | XX | XX | XX | 27069362 | 1708669201-20787 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2575 | XX | XX | XX | 27069363 | 1708669201-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2575 | XX | XX | XX | 27069364 | 1708669201-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2575 | XX | XX | XX | 27069365 | 1708669201-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2200 | XX | XX | XX | 27069369 | 1708354297-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2200 | XX | XX | XX | 27069370 | 1708354297-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2250 | XX | XX | XX | 27069373 | 1708269681-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | |||||||||||||
| 2250 | XX | XX | XX | 27069375 | 1708269681-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2250 | XX | XX | XX | 27069376 | 1708269681-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2250 | XX | XX | XX | 27069377 | 1708269681-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2250 | XX | XX | XX | 27069378 | 1708269681-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2250 | XX | XX | XX | 27069379 | 1708269681-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2250 | XX | XX | XX | 27069380 | 1708269681-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | ||||||||||||
| 2250 | XX | XX | XX | 27069382 | 1708269681-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - UTD | D | No | |||||||||||||
| 2619 | XX | XX | XX | 27069397 | 1708141066-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2226 | XX | XX | XX | 27069414 | 1707583348-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2226 | XX | XX | XX | 27069415 | 1707583348-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2435 | XX | XX | XX | 27069417 | 1707683889-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2628 | XX | XX | XX | 27069440 | 1707303568-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2628 | XX | XX | XX | 27069441 | 1707303568-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2064 | XX | XX | XX | 27069444 | 1707267487-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2064 | XX | XX | XX | 27069445 | 1707267487-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2064 | XX | XX | XX | 27069446 | 1707267487-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2064 | XX | XX | XX | 27069447 | 1707267487-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2064 | XX | XX | XX | 27069448 | 1707267487-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2064 | XX | XX | XX | 27069449 | 1707267487-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2064 | XX | XX | XX | 27069450 | 1707267487-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2699 | XX | XX | XX | 27069453 | 1707058921-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2699 | XX | XX | XX | 27069454 | 1707058921-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2699 | XX | XX | XX | 27069455 | 1707058921-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2316 | XX | XX | XX | 27069494 | 1706590272-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2003 | XX | XX | XX | 27069495 | 1706787466-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2003 | XX | XX | XX | 27069496 | 1706787466-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1987 | XX | XX | XX | 27069500 | 1706495598-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2317 | XX | XX | XX | 27069517 | 1706937667-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2583 | XX | XX | XX | 27069519 | 1706529048-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2583 | XX | XX | XX | 27069520 | 1706529048-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2880 | XX | XX | XX | 27069525 | 1706566026-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2880 | XX | XX | XX | 27069526 | 1706566026-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2446 | XX | XX | XX | 27069528 | 1706340760-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2446 | XX | XX | XX | 27069529 | 1706340760-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2446 | XX | XX | XX | 27069530 | 1706340760-20729 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2446 | XX | XX | XX | 27069531 | 1706340760-2210 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2446 | XX | XX | XX | 27069532 | 1706340760-2223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2378 | XX | XX | XX | 27069538 | 1706398682-24272 | 06/27/2022 | Compliance | Compliance | State Compliance | State Late Charge | Alabama Late Charge Percent and Amount Testing | Alabama Late Charge: Note late charge amount of $113.21 exceeds the state maximum of $100. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1950 | XX | XX | XX | 27069539 | 1706862035-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1950 | XX | XX | XX | 27069541 | 1706862035-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1950 | XX | XX | XX | 27069542 | 1706862035-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||
| 2041 | XX | XX | XX | 27069547 | 1706312211-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $379,738.81 is underdisclosed from calculated Finance Charge of $379,873.27 in the amount of $134.46. | Unable to determine underdisclosure due to missing Fee Itemization. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2760 | XX | XX | XX | 27069557 | 1706122379-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2760 | XX | XX | XX | 27069558 | 1706122379-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2412 | XX | XX | XX | 27069561 | 4005807291-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2412 | XX | XX | XX | 27069562 | 4005807291-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2736 | XX | XX | XX | 27069564 | 1705931277-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Second Home | Purchase | B | No | ||||||||||||
| 2736 | XX | XX | XX | 27069565 | 1705931277-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Second Home | Purchase | B | No | ||||||||||||
| 2736 | XX | XX | XX | 27069566 | 1705931277-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Second Home | Purchase | B | No | ||||||||||||
| 1944 | XX | XX | XX | 27069567 | 4005777497-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1944 | XX | XX | XX | 27069568 | 4005777497-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1944 | XX | XX | XX | 27069569 | 4005777497-24983 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2038 | XX | XX | XX | 27069570 | 1706070307-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2038 | XX | XX | XX | 27069571 | 1706070307-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2038 | XX | XX | XX | 27069572 | 1706070307-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2539 | XX | XX | XX | 27069575 | 4005766138-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2692 | XX | XX | XX | 27069578 | 1706007799-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OK | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2377 | XX | XX | XX | 27069582 | 1706180565-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2228 | XX | XX | XX | 27069588 | 1706025650-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2228 | XX | XX | XX | 27069590 | 1706025650-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2228 | XX | XX | XX | 27069591 | 1706025650-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2228 | XX | XX | XX | 27069592 | 1706025650-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2228 | XX | XX | XX | 27069593 | 1706025650-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. | 2 | B | XX | SC | Primary | Purchase | B | No | |||||||||||
| 2869 | XX | XX | XX | 27069599 | 1705903374-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2234 | XX | XX | XX | 27069600 | 1705751545-2778 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2712 | XX | XX | XX | 27069603 | 1705726641-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2712 | XX | XX | XX | 27069604 | 1705726641-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2084 | XX | XX | XX | 27069605 | 1705888378-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2084 | XX | XX | XX | 27069606 | 1705888378-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2084 | XX | XX | XX | 27069607 | 1705888378-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2127 | XX | XX | XX | 27069626 | 1705739347-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2127 | XX | XX | XX | 27069627 | 1705739347-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2100 | XX | XX | XX | 27069629 | 1705787266-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Investment | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2594 | XX | XX | XX | 27069639 | 1705490539-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2594 | XX | XX | XX | 27069640 | 1705490539-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2594 | XX | XX | XX | 27069641 | 1705490539-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,577.45 is underdisclosed from calculated Finance Charge of $302,822.45 in the amount of $245.00. | TIL itemization did not disclose a $200 subordination fee, a $25 email fee or $50 of the $200 settlement fee as prepaid finance charge. In addition, TIL itemization over disclosed courier fee $30. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2442 | XX | XX | XX | 27069642 | 1705865480-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069643 | 1705865480-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069644 | 1705865480-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069645 | 1705865480-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069646 | 1705865480-2210 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069647 | 1705865480-31490 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2442 | XX | XX | XX | 27069648 | 1705865480-2223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2173 | XX | XX | XX | 27069650 | 1705608089-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2009 | XX | XX | XX | 27069652 | 1705584701-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2009 | XX | XX | XX | 27069653 | 1705584701-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2009 | XX | XX | XX | 27069654 | 1705584701-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2009 | XX | XX | XX | 27069655 | 1705584701-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $558,002.65 is underdisclosed from calculated Finance Charge of $560,771.80 in the amount of $2,769.15. | Unable to determine due to missing final TIL Itemization | 2 | B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2886 | XX | XX | XX | 27069658 | 1705473159-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2886 | XX | XX | XX | 27069659 | 1705473159-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2322 | XX | XX | XX | 27069664 | 4005709961-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2322 | XX | XX | XX | 27069665 | 4005709961-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2322 | XX | XX | XX | 27069666 | 4005709961-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2896 | XX | XX | XX | 27069668 | 1705405226-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2896 | XX | XX | XX | 27069669 | 1705405226-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2896 | XX | XX | XX | 27069670 | 1705405226-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1889 | XX | XX | XX | 27069671 | 4005875784-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1889 | XX | XX | XX | 27069672 | 4005875784-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1889 | XX | XX | XX | 27069673 | 4005875784-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1889 | XX | XX | XX | 27069675 | 4005875784-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2586 | XX | XX | XX | 27069680 | 1706414744-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2586 | XX | XX | XX | 27069681 | 1706414744-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2586 | XX | XX | XX | 27069682 | 1706414744-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2586 | XX | XX | XX | 27069683 | 1706414744-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2586 | XX | XX | XX | 27069684 | 1706414744-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2586 | XX | XX | XX | 27069685 | 1706414744-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2586 | XX | XX | XX | 27069686 | 1706414744-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2586 | XX | XX | XX | 27069687 | 1706414744-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file is indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 2081 | XX | XX | XX | 27069690 | 4005651846-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2081 | XX | XX | XX | 27069691 | 4005651846-28241 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2081 | XX | XX | XX | 27069692 | 4005651846-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2767 | XX | XX | XX | 27069699 | 1705387147-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2767 | XX | XX | XX | 27069700 | 1705387147-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2767 | XX | XX | XX | 27069701 | 1705387147-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2866 | XX | XX | XX | 27069703 | 1705528564-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 2866 | XX | XX | XX | 27069704 | 1705528564-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2866 | XX | XX | XX | 27069705 | 1705528564-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2744 | XX | XX | XX | 27069706 | 1705537939-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2744 | XX | XX | XX | 27069707 | 1705537939-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2744 | XX | XX | XX | 27069708 | 1705537939-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||
| 2744 | XX | XX | XX | 27069709 | 1705537939-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2247 | XX | XX | XX | 27069717 | 1705237541-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2247 | XX | XX | XX | 27069718 | 1705237541-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1960 | XX | XX | XX | 27069722 | 1705109785-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1960 | XX | XX | XX | 27069723 | 1705109785-28241 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2244 | XX | XX | XX | 27069729 | 1705283992-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2244 | XX | XX | XX | 27069730 | 1705283992-24490 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2244 | XX | XX | XX | 27069731 | 1705283992-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2244 | XX | XX | XX | 27069732 | 1705283992-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2244 | XX | XX | XX | 27069733 | 1705283992-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2661 | XX | XX | XX | 27069735 | 1705205784-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | LA | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 1918 | XX | XX | XX | 27069736 | 1704982094-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1918 | XX | XX | XX | 27069737 | 1704982094-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2627 | XX | XX | XX | 27069761 | 1704981967-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069749 | 1705022206-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | SC | UTD | Purchase | D | No | |||||||||||||
| 2232 | XX | XX | XX | 27069751 | 1705022206-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | UTD | Purchase | D | No | |||||||||||||
| 2232 | XX | XX | XX | 27069752 | 1705022206-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | SC | UTD | Purchase | D | No | |||||||||||||
| 2232 | XX | XX | XX | 27069754 | 1705022206-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069755 | 1705022206-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069756 | 1705022206-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069757 | 1705022206-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069758 | 1705022206-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 2232 | XX | XX | XX | 27069759 | 1705022206-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | SC | UTD | Purchase | D | No | ||||||||||||
| 1928 | XX | XX | XX | 27069765 | 348848-733-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Investment | Purchase | B | No | ||||||||||||
| 2593 | XX | XX | XX | 27069770 | 1705136040-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2578 | XX | XX | XX | 27069772 | 1704926198-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2299 | XX | XX | XX | 27069774 | 4005563678-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2299 | XX | XX | XX | 27069775 | 4005563678-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2299 | XX | XX | XX | 27069776 | 4005563678-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2299 | XX | XX | XX | 27069777 | 4005563678-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2299 | XX | XX | XX | 27069778 | 4005563678-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | Purchase | D | No | ||||||||||||
| 2299 | XX | XX | XX | 27069779 | 4005563678-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2299 | XX | XX | XX | 27069780 | 4005563678-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2299 | XX | XX | XX | 27069781 | 4005563678-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | Purchase | D | No | |||||||||||||
| 2548 | XX | XX | XX | 27069785 | 1704806972-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 2883 | XX | XX | XX | 27069795 | 1705321253-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2883 | XX | XX | XX | 27069796 | 1705321253-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2883 | XX | XX | XX | 27069799 | 1705321253-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | |||||||||||||
| 2883 | XX | XX | XX | 27069800 | 1705321253-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2883 | XX | XX | XX | 27069801 | 1705321253-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2883 | XX | XX | XX | 27069802 | 1705321253-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2883 | XX | XX | XX | 27069803 | 1705321253-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2883 | XX | XX | XX | 27069804 | 1705321253-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | UTD | Refinance - UTD | D | No | ||||||||||||
| 2246 | XX | XX | XX | 27069807 | 1705085269-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2246 | XX | XX | XX | 27069808 | 1705085269-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2246 | XX | XX | XX | 27069809 | 1705085269-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2246 | XX | XX | XX | 27069810 | 1705085269-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2246 | XX | XX | XX | 27069811 | 1705085269-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2246 | XX | XX | XX | 27069812 | 1705085269-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2246 | XX | XX | XX | 27069813 | 1705085269-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2246 | XX | XX | XX | 27069814 | 1705085269-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as
disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |
2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 2804 | XX | XX | XX | 27069816 | 1704941851-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NM | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2804 | XX | XX | XX | 27069817 | 1704941851-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NM | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2804 | XX | XX | XX | 27069818 | 1704941851-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NM | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2520 | XX | XX | XX | 27069819 | 1704896715-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MI | Second Home | Purchase | B | No | ||||||||||||
| 2520 | XX | XX | XX | 27069820 | 1704896715-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Second Home | Purchase | B | No | ||||||||||||
| 2520 | XX | XX | XX | 27069821 | 1704896715-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MI | Second Home | Purchase | B | No | ||||||||||||
| 2520 | XX | XX | XX | 27069822 | 1704896715-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Second Home | Purchase | B | No | ||||||||||||
| 2610 | XX | XX | XX | 27069823 | 1704702955-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2610 | XX | XX | XX | 27069824 | 1704702955-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2537 | XX | XX | XX | 27069827 | 1704698378-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2468 | XX | XX | XX | 27069829 | 1704621915-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1933 | XX | XX | XX | 27069832 | 1705098594-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1933 | XX | XX | XX | 27069833 | 1705098594-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1933 | XX | XX | XX | 27069834 | 1705098594-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1933 | XX | XX | XX | 27069835 | 1705098594-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1933 | XX | XX | XX | 27069836 | 1705098594-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $534,679.70 is underdisclosed from calculated Finance Charge of $534,807.84 in the amount of $128.14. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2086 | XX | XX | XX | 27069838 | 1704787953-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2430 | XX | XX | XX | 27069839 | 1705276364-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2430 | XX | XX | XX | 27069840 | 1705276364-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2430 | XX | XX | XX | 27069841 | 1705276364-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2430 | XX | XX | XX | 27069842 | 1705276364-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2430 | XX | XX | XX | 27069843 | 1705276364-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2790 | XX | XX | XX | 27069849 | 1705248837-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 2790 | XX | XX | XX | 27069850 | 1705248837-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 2790 | XX | XX | XX | 27069851 | 1705248837-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $228,372.87 is underdisclosed from calculated Finance Charge of $228,494.03 in the amount of $121.16. | Unable to determine due to missing final TIL Itemization | 2 | B | XX | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2790 | XX | XX | XX | 27069852 | 1705248837-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | AZ | Primary | Purchase | B | No | |||||||||||||
| 2790 | XX | XX | XX | 27069853 | 1705248837-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | AZ | Primary | Purchase | B | No | |||||||||||
| 2071 | XX | XX | XX | 27069861 | 1704547156-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2071 | XX | XX | XX | 27069862 | 1704547156-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2039 | XX | XX | XX | 27069863 | 1704374746-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2188 | XX | XX | XX | 27069875 | 1704420202-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $252,049.37 is underdisclosed from calculated Finance Charge of $252,177.35 in the amount of $127.98. | Under disclosure is due to MI. The TIL Payment Stream shows the MI staying on for 77 months. The Actual Payment Stream has MI staying on for 79 months. | 2 | B | XX | WV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2899 | XX | XX | XX | 27069876 | 1704362105-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2124 | XX | XX | XX | 27069877 | 1704513904-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2124 | XX | XX | XX | 27069878 | 1704513904-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2124 | XX | XX | XX | 27069879 | 1704513904-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2124 | XX | XX | XX | 27069880 | 1704513904-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||
| 2124 | XX | XX | XX | 27069881 | 1704513904-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2124 | XX | XX | XX | 27069882 | 1704513904-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2055 | XX | XX | XX | 27069884 | 1704287975-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2720 | XX | XX | XX | 27069890 | 1704306302-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1959 | XX | XX | XX | 27069891 | 1704335206-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1959 | XX | XX | XX | 27069892 | 1704335206-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1959 | XX | XX | XX | 27069893 | 1704335206-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2742 | XX | XX | XX | 27069894 | 1704336407-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2756 | XX | XX | XX | 27069898 | 1704470727-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2756 | XX | XX | XX | 27069899 | 1704470727-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2391 | XX | XX | XX | 27069895 | 1704327037-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2391 | XX | XX | XX | 27069896 | 1704327037-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2223 | XX | XX | XX | 27069900 | 4005500925-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 2223 | XX | XX | XX | 27069901 | 4005500925-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $123,913.00 is underdisclosed from calculated Finance Charge of $124,388.00 in the amount of $475.00. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2600 | XX | XX | XX | 27069904 | 1704349033-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2535 | XX | XX | XX | 27069905 | 4005495142-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2535 | XX | XX | XX | 27069906 | 4005495142-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2535 | XX | XX | XX | 27069907 | 4005495142-1974 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2535 | XX | XX | XX | 27069908 | 4005495142-1977 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2535 | XX | XX | XX | 27069909 | 4005495142-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2130 | XX | XX | XX | 27069912 | 1704546916-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2130 | XX | XX | XX | 27069913 | 1704546916-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2797 | XX | XX | XX | 27069915 | 1704257868-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Purchase | D | No | ||||||||||||
| 2797 | XX | XX | XX | 27069916 | 1704257868-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AZ | Primary | Purchase | D | No | ||||||||||||
| 2028 | XX | XX | XX | 27069917 | 1704302814-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2028 | XX | XX | XX | 27069918 | 1704302814-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2028 | XX | XX | XX | 27069919 | 1704302814-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2028 | XX | XX | XX | 27069920 | 1704302814-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2890 | XX | XX | XX | 27069927 | 1704105169-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2864 | XX | XX | XX | 27069921 | 1704093792-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1888 | XX | XX | XX | 27069922 | 1704254600-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1888 | XX | XX | XX | 27069923 | 1704254600-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1888 | XX | XX | XX | 27069924 | 1704254600-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 1949 | XX | XX | XX | 27069947 | 1704006401-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1949 | XX | XX | XX | 27069948 | 1704006401-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2806 | XX | XX | XX | 27069942 | 4005434559-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NM | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2806 | XX | XX | XX | 27069943 | 4005434559-7042 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NM | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2481 | XX | XX | XX | 27069949 | 1704208322-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2481 | XX | XX | XX | 27069950 | 1704208322-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2481 | XX | XX | XX | 27069951 | 1704208322-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2481 | XX | XX | XX | 27069952 | 1704208322-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2481 | XX | XX | XX | 27069954 | 1704208322-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 2602 | XX | XX | XX | 27069960 | 1704829982-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2602 | XX | XX | XX | 27069961 | 1704829982-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1979 | XX | XX | XX | 27069963 | 1703914226-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NJ | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2108 | XX | XX | XX | 27069969 | 4005443324-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2297 | XX | XX | XX | 27069971 | 1703993132-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2279 | XX | XX | XX | 27069972 | 1704545306-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2279 | XX | XX | XX | 27069973 | 1704545306-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2279 | XX | XX | XX | 27069974 | 1704545306-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2279 | XX | XX | XX | 27069975 | 1704545306-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2279 | XX | XX | XX | 27069977 | 1704545306-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 2674 | XX | XX | XX | 27069983 | 1704200378-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2674 | XX | XX | XX | 27069984 | 1704200378-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $306,453.53 is underdisclosed from calculated Finance Charge of $306,672.41 in the amount of $218.88. | The TIL Itemization did not disclose a recording service fee of $210 as a prepaid finance charge. | 2 | B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2445 | XX | XX | XX | 27069989 | 1704361469-31490 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2445 | XX | XX | XX | 27069990 | 1704361469-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2445 | XX | XX | XX | 27069991 | 1704361469-2212 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 2807 | XX | XX | XX | 27069986 | 1703842943-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NM | Primary | Purchase | D | No | ||||||||||||
| 2807 | XX | XX | XX | 27069987 | 1703842943-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NM | Primary | Purchase | D | No | ||||||||||||
| 2807 | XX | XX | XX | 27069988 | 1703842943-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NM | Primary | Purchase | D | No | ||||||||||||
| 1990 | XX | XX | XX | 27069997 | 1703965730-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 2734 | XX | XX | XX | 27070005 | 1703670738-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2734 | XX | XX | XX | 27070006 | 1703670738-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2734 | XX | XX | XX | 27070008 | 1703670738-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1977 | XX | XX | XX | 27070012 | 1704461326-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1977 | XX | XX | XX | 27070013 | 1704461326-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1977 | XX | XX | XX | 27070014 | 1704461326-28241 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1977 | XX | XX | XX | 27070015 | 1704461326-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1977 | XX | XX | XX | 27070016 | 1704461326-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1977 | XX | XX | XX | 27070017 | 1704461326-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1977 | XX | XX | XX | 27070018 | 1704461326-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1977 | XX | XX | XX | 27070019 | 1704461326-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2588 | XX | XX | XX | 27070023 | 1703765387-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2588 | XX | XX | XX | 27070024 | 1703765387-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $304,588.19 is underdisclosed from calculated Finance Charge of $304,624.32 in the amount of $36.13. | TIL Itemization did not disclose a TI Set Up fee of $75 as a prepaid finance charge. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2004 | XX | XX | XX | 27070026 | 1704132102-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2004 | XX | XX | XX | 27070027 | 1704132102-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2004 | XX | XX | XX | 27070028 | 1704132102-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2004 | XX | XX | XX | 27070029 | 1704132102-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2004 | XX | XX | XX | 27070030 | 1704132102-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $493,479.20 is underdisclosed from calculated Finance Charge of $494,509.20 in the amount of $1,030.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2004 | XX | XX | XX | 27070031 | 1704132102-7042 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2788 | XX | XX | XX | 27070032 | 4005342988-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2891 | XX | XX | XX | 27070033 | 1703603103-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2891 | XX | XX | XX | 27070034 | 1703603103-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 2891 | XX | XX | XX | 27070035 | 1703603103-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2741 | XX | XX | XX | 27070036 | 1703670745-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2741 | XX | XX | XX | 27070037 | 1703670745-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2741 | XX | XX | XX | 27070038 | 1703670745-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2741 | XX | XX | XX | 27070039 | 1703670745-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2741 | XX | XX | XX | 27070040 | 1703670745-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $139,559.42 is underdisclosed from calculated Finance Charge of $139,780.94 in the amount of $221.52. | Under disclosure appears to be fee related. Unable to determine underdisclosure due to missing Fee Itemization. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2225 | XX | XX | XX | 27070044 | 1703671711-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2225 | XX | XX | XX | 27070045 | 1703671711-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2225 | XX | XX | XX | 27070046 | 1703671711-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 2225 | XX | XX | XX | 27070048 | 1703671711-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | SC | Primary | Purchase | B | No | |||||||||||||
| 2225 | XX | XX | XX | 27070049 | 1703671711-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | SC | Primary | Purchase | B | No | |||||||||||
| 2332 | XX | XX | XX | 27070050 | 1709165045-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2332 | XX | XX | XX | 27070051 | 1709165045-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2332 | XX | XX | XX | 27070052 | 1709165045-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2332 | XX | XX | XX | 27070053 | 1709165045-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2332 | XX | XX | XX | 27070055 | 1709165045-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as
disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |
2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 2332 | XX | XX | XX | 27070056 | 1709165045-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2326 | XX | XX | XX | 27070060 | 1703616819-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2326 | XX | XX | XX | 27070061 | 1703616819-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2568 | XX | XX | XX | 27070063 | 1703493774-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1999 | XX | XX | XX | 27070071 | 1703361746-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2671 | XX | XX | XX | 27070074 | 1703671460-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2671 | XX | XX | XX | 27070075 | 1703671460-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2671 | XX | XX | XX | 27070076 | 1703671460-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 2393 | XX | XX | XX | 27070079 | 1703696291-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2393 | XX | XX | XX | 27070080 | 1703696291-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2393 | XX | XX | XX | 27070081 | 1703696291-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2330 | XX | XX | XX | 27070088 | 1703378058-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2429 | XX | XX | XX | 27070091 | 4005301376-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Purchase | B | No | ||||||||||||
| 2429 | XX | XX | XX | 27070092 | 4005301376-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MS | Primary | Purchase | B | No | ||||||||||||
| 2429 | XX | XX | XX | 27070093 | 4005301376-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MS | Primary | Purchase | B | No | ||||||||||||
| 2461 | XX | XX | XX | 27070095 | 1703417215-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2353 | XX | XX | XX | 27070096 | 1703299461-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1943 | XX | XX | XX | 27070097 | 1703275680-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1943 | XX | XX | XX | 27070098 | 1703275680-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1943 | XX | XX | XX | 27070099 | 1703275680-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 1943 | XX | XX | XX | 27070100 | 1703275680-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2776 | XX | XX | XX | 27070101 | 1703256223-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2336 | XX | XX | XX | 27070103 | 4005276757-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2336 | XX | XX | XX | 27070104 | 4005276757-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2336 | XX | XX | XX | 27070105 | 4005276757-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2139 | XX | XX | XX | 27070106 | 1703493311-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2139 | XX | XX | XX | 27070107 | 1703493311-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2139 | XX | XX | XX | 27070108 | 1703493311-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2233 | XX | XX | XX | 27070111 | 1703188681-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | SC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2233 | XX | XX | XX | 27070112 | 1703188681-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2233 | XX | XX | XX | 27070113 | 1703188681-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2233 | XX | XX | XX | 27070114 | 1703188681-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 2233 | XX | XX | XX | 27070115 | 1703188681-7040 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2233 | XX | XX | XX | 27070116 | 1703188681-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 2233 | XX | XX | XX | 27070117 | 1703188681-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 2240 | XX | XX | XX | 27070124 | 4005276708-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2240 | XX | XX | XX | 27070125 | 4005276708-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2240 | XX | XX | XX | 27070126 | 4005276708-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2240 | XX | XX | XX | 27070127 | 4005276708-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2240 | XX | XX | XX | 27070128 | 4005276708-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2240 | XX | XX | XX | 27070129 | 4005276708-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2240 | XX | XX | XX | 27070130 | 4005276708-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2093 | XX | XX | XX | 27070132 | 1703245553-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2626 | XX | XX | XX | 27070133 | 1703113850-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2140 | XX | XX | XX | 27070135 | 1703116173-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1946 | XX | XX | XX | 27070137 | 1703138279-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1946 | XX | XX | XX | 27070138 | 1703138279-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2731 | XX | XX | XX | 27070143 | 4005275463-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2731 | XX | XX | XX | 27070144 | 4005275463-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2731 | XX | XX | XX | 27070145 | 4005275463-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $374,332.14 is underdisclosed from calculated Finance Charge of $375,369.92 in the amount of $1,037.78. | Under disclosure due to lender TIL reflects MI Level, however actual MI Cert shows step level. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2475 | XX | XX | XX | 27070154 | 1703121148-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2475 | XX | XX | XX | 27070155 | 1703121148-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 1966 | XX | XX | XX | 27070158 | 1703484875-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1966 | XX | XX | XX | 27070159 | 1703484875-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1966 | XX | XX | XX | 27070160 | 1703484875-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1966 | XX | XX | XX | 27070161 | 1703484875-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1966 | XX | XX | XX | 27070162 | 1703484875-24490 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2879 | XX | XX | XX | 27070163 | 4005262730-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2879 | XX | XX | XX | 27070164 | 4005262730-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2879 | XX | XX | XX | 27070165 | 4005262730-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2879 | XX | XX | XX | 27070166 | 4005262730-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2879 | XX | XX | XX | 27070167 | 4005262730-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2879 | XX | XX | XX | 27070168 | 4005262730-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,959.14 is underdisclosed from calculated Finance Charge of $104,038.68 in the amount of $79.54. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2879 | XX | XX | XX | 27070169 | 4005262730-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 2512 | XX | XX | XX | 27070186 | 1702861498-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2512 | XX | XX | XX | 27070187 | 1702861498-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2512 | XX | XX | XX | 27070188 | 1702861498-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2598 | XX | XX | XX | 27070201 | 4005243426-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 1964 | XX | XX | XX | 27070202 | 1702904933-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2159 | XX | XX | XX | 27070204 | 349304-733-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2159 | XX | XX | XX | 27070205 | 349304-733-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 2304 | XX | XX | XX | 27070206 | 1702717776-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2304 | XX | XX | XX | 27070207 | 1702717776-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2304 | XX | XX | XX | 27070208 | 1702717776-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2623 | XX | XX | XX | 27070211 | 1702708267-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2649 | XX | XX | XX | 27070213 | 1702640235-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1998 | XX | XX | XX | 27070221 | 4005178957-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1998 | XX | XX | XX | 27070222 | 4005178957-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2612 | XX | XX | XX | 27070223 | 1702979186-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2253 | XX | XX | XX | 27070224 | 1702625543-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2253 | XX | XX | XX | 27070226 | 1702625543-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2253 | XX | XX | XX | 27070227 | 1702625543-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2253 | XX | XX | XX | 27070228 | 1702625543-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2519 | XX | XX | XX | 27070229 | 1702704119-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2519 | XX | XX | XX | 27070230 | 1702704119-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2212 | XX | XX | XX | 27070245 | 4005275478-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 2533 | XX | XX | XX | 27070247 | 4005198944-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2533 | XX | XX | XX | 27070248 | 4005198944-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2533 | XX | XX | XX | 27070249 | 4005198944-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2533 | XX | XX | XX | 27070250 | 4005198944-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 2503 | XX | XX | XX | 27070251 | 1702460251-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2503 | XX | XX | XX | 27070252 | 1702460251-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2503 | XX | XX | XX | 27070253 | 1702460251-1974 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2503 | XX | XX | XX | 27070254 | 1702460251-1977 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2503 | XX | XX | XX | 27070255 | 1702460251-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2215 | XX | XX | XX | 27070258 | 1702618296-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2686 | XX | XX | XX | 27070259 | 1702494593-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 2235 | XX | XX | XX | 27070268 | 4005166331-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2235 | XX | XX | XX | 27070269 | 4005166331-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2235 | XX | XX | XX | 27070270 | 4005166331-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $344,533.68 is underdisclosed from calculated Finance Charge of $344,622.77 in the amount of $89.09. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2235 | XX | XX | XX | 27070271 | 4005166331-26133 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | Unable to test tangible net benefit due to missing information. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2205 | XX | XX | XX | 27070272 | 4005090147-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $86,046.83 is underdisclosed from calculated Finance Charge of $86,547.05 in the amount of $500.22. | TIL Itemization did not disclose an Attorney Fee of $450 and a Courier Fee of $43.20 as prepaid finance charges. | 2 | B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2860 | XX | XX | XX | 27070299 | 1702513357-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2860 | XX | XX | XX | 27070300 | 1702513357-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2359 | XX | XX | XX | 27070312 | 1702205008-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2359 | XX | XX | XX | 27070313 | 1702205008-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2146 | XX | XX | XX | 27070303 | 1702366813-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2146 | XX | XX | XX | 27070304 | 1702366813-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2146 | XX | XX | XX | 27070305 | 1702366813-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2146 | XX | XX | XX | 27070306 | 1702366813-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2146 | XX | XX | XX | 27070307 | 1702366813-1861 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Property Insurance (Property Insurance Exceeds Replacement Value) | Maryland HB649: Property insurance exceeds the replacement value of the property. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2146 | XX | XX | XX | 27070308 | 1702366813-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2303 | XX | XX | XX | 27070320 | 1702315904-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2303 | XX | XX | XX | 27070321 | 1702315904-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2303 | XX | XX | XX | 27070322 | 1702315904-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2303 | XX | XX | XX | 27070323 | 1702315904-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2472 | XX | XX | XX | 27070324 | 1702349114-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $101,853.33 is underdisclosed from calculated Finance Charge of $102,018.08 in the amount of $164.75. | Itemization did not disclose the release tracking fee of $20, settlement fee of $43.75, courier fee of $20, warehousing fee of $49 and wire fee of $32 as prepaid finance charges. | 2 | B | XX | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2774 | XX | XX | XX | 27070334 | 1702183130-6223 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2651 | XX | XX | XX | 27070353 | 1702651454-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2651 | XX | XX | XX | 27070354 | 1702651454-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 1897 | XX | XX | XX | 27070355 | 1702336387-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 2873 | XX | XX | XX | 27070366 | 1702190921-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2682 | XX | XX | XX | 27070370 | 1702044882-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AR | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2682 | XX | XX | XX | 27070371 | 1702044882-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $86,249.36 is underdisclosed from calculated Finance Charge of $86,569.36 in the amount of $320.00. | TIL Itemization only disclosed discount charges in the amount of $1325 and final HUD reflects $1600. | 2 | B | XX | AR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 2441 | XX | XX | XX | 27070374 | 1702300885-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 1951 | XX | XX | XX | 27070382 | 1701842026-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2835 | XX | XX | XX | 27070383 | 1701884370-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2835 | XX | XX | XX | 27070384 | 1701884370-26032 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($5,724.00). Loan contracts for maximum calculated prepay of $8,250.18, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070393 | 1701799723-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1907 | XX | XX | XX | 27070395 | 1701799723-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1907 | XX | XX | XX | 27070396 | 1701799723-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070397 | 1701799723-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070398 | 1701799723-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070399 | 1701799723-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070400 | 1701799723-1891 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1907 | XX | XX | XX | 27070401 | 1701799723-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1907 | XX | XX | XX | 27070402 | 1701799723-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2909 | XX | XX | XX | 27070403 | 1701820962-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2909 | XX | XX | XX | 27070404 | 1701820962-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2909 | XX | XX | XX | 27070405 | 1701820962-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2909 | XX | XX | XX | 27070406 | 1701820962-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2909 | XX | XX | XX | 27070407 | 1701820962-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2615 | XX | XX | XX | 27070424 | 4004950533-3928 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2615 | XX | XX | XX | 27070425 | 4004950533-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2216 | XX | XX | XX | 27070434 | 4005020352-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2216 | XX | XX | XX | 27070435 | 4005020352-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2216 | XX | XX | XX | 27070436 | 4005020352-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $202,386.70 is underdisclosed from calculated Finance Charge of $202,536.70 in the amount of $150.00. | The itemization of amount financed did not include the closing fee of $150 as a prepaid finance charge. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2666 | XX | XX | XX | 27070438 | 1701609250-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $135,795.85 is underdisclosed from calculated Finance Charge of $136,059.35 in the amount of $263.50. | TIL itemization did not disclose a $13.50 flood cert fee, a $225 recording fee or a $25 courier fee as prepaid finance charges. | 2 | B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2096 | XX | XX | XX | 27070445 | 1701483444-31480 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 2092 | XX | XX | XX | 27070448 | 1701514102-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2092 | XX | XX | XX | 27070449 | 1701514102-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2070 | XX | XX | XX | 27070454 | 4004984468-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2070 | XX | XX | XX | 27070455 | 4004984468-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2070 | XX | XX | XX | 27070456 | 4004984468-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $260,093.16 is underdisclosed from calculated Finance Charge of $260,142.67 in the amount of $49.51. | TIL itemization did not disclose a closing closing protection letter of $35 as prepaid finance charge. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2728 | XX | XX | XX | 27070461 | 4004897613-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2728 | XX | XX | XX | 27070462 | 4004897613-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2728 | XX | XX | XX | 27070463 | 4004897613-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2728 | XX | XX | XX | 27070464 | 4004897613-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2728 | XX | XX | XX | 27070465 | 4004897613-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2728 | XX | XX | XX | 27070466 | 4004897613-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 2728 | XX | XX | XX | 27070468 | 4004897613-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 2230 | XX | XX | XX | 27070471 | 4005020358-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2230 | XX | XX | XX | 27070472 | 4005020358-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2230 | XX | XX | XX | 27070473 | 4005020358-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2320 | XX | XX | XX | 27070475 | 1701597343-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 2179 | XX | XX | XX | 27070483 | 1701925882-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2179 | XX | XX | XX | 27070484 | 1701925882-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2277 | XX | XX | XX | 27070485 | 1701366415-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $150,617.03 is underdisclosed from calculated Finance Charge of $150,736.36 in the amount of $119.33. | Unable to determine unnder disclosure due to missing Itemization of amount financed. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2153 | XX | XX | XX | 27070489 | 4004915976-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2153 | XX | XX | XX | 27070490 | 4004915976-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2153 | XX | XX | XX | 27070491 | 4004915976-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2810 | XX | XX | XX | 27070493 | 1701469181-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 2847 | XX | XX | XX | 27070500 | 4004994632-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed or initialed by borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2847 | XX | XX | XX | 27070502 | 4004994632-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2847 | XX | XX | XX | 27070503 | 4004994632-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2847 | XX | XX | XX | 27070504 | 4004994632-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2847 | XX | XX | XX | 27070505 | 4004994632-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 1948 | XX | XX | XX | 27070506 | 1701193722-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1948 | XX | XX | XX | 27070507 | 1701193722-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2715 | XX | XX | XX | 27070508 | 1701264146-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2715 | XX | XX | XX | 27070509 | 1701264146-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 1921 | XX | XX | XX | 27070510 | 1701401132-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1921 | XX | XX | XX | 27070511 | 1701401132-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1921 | XX | XX | XX | 27070512 | 1701401132-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2267 | XX | XX | XX | 27070513 | 1701245303-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2267 | XX | XX | XX | 27070514 | 1701245303-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2199 | XX | XX | XX | 27070522 | 4004999157-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Investment | Purchase | B | No | ||||||||||||
| 2394 | XX | XX | XX | 27070543 | 4004974832-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2394 | XX | XX | XX | 27070544 | 4004974832-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2394 | XX | XX | XX | 27070545 | 4004974832-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2647 | XX | XX | XX | 27070539 | 1701183655-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2647 | XX | XX | XX | 27070541 | 1701183655-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1937 | XX | XX | XX | 27070546 | 1701221799-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1937 | XX | XX | XX | 27070547 | 1701221799-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1937 | XX | XX | XX | 27070548 | 1701221799-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1890 | XX | XX | XX | 27070558 | 1701146722-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1890 | XX | XX | XX | 27070559 | 1701146722-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1890 | XX | XX | XX | 27070560 | 1701146722-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1890 | XX | XX | XX | 27070561 | 1701146722-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1890 | XX | XX | XX | 27070563 | 1701146722-1891 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1890 | XX | XX | XX | 27070564 | 1701146722-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2492 | XX | XX | XX | 27070568 | 1700876728-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2492 | XX | XX | XX | 27070569 | 1700876728-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2340 | XX | XX | XX | 27070579 | 1700926963-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2340 | XX | XX | XX | 27070580 | 1700926963-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2151 | XX | XX | XX | 27070588 | 4005047418-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2151 | XX | XX | XX | 27070589 | 4005047418-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2151 | XX | XX | XX | 27070590 | 4005047418-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2795 | XX | XX | XX | 27070584 | 1700926811-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2795 | XX | XX | XX | 27070585 | 1700926811-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2795 | XX | XX | XX | 27070586 | 1700926811-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2759 | XX | XX | XX | 27070592 | 1700847305-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2759 | XX | XX | XX | 27070593 | 1700847305-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2759 | XX | XX | XX | 27070594 | 1700847305-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2859 | XX | XX | XX | 27070595 | 1701123781-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL appears to be final but not signed nor initialed by borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2859 | XX | XX | XX | 27070597 | 1701123781-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2859 | XX | XX | XX | 27070598 | 1701123781-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2859 | XX | XX | XX | 27070599 | 1701123781-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,365.65 is underdisclosed from calculated Finance Charge of $177,526.63 in the amount of $160.98. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2859 | XX | XX | XX | 27070600 | 1701123781-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2859 | XX | XX | XX | 27070601 | 1701123781-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as
disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |
2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 2644 | XX | XX | XX | 27070617 | 1700799932-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2352 | XX | XX | XX | 27070619 | 1700783160-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 2352 | XX | XX | XX | 27070621 | 1700783160-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 2789 | XX | XX | XX | 27070623 | 1700757467-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2789 | XX | XX | XX | 27070624 | 1700757467-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2837 | XX | XX | XX | 27070625 | 1700687933-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2837 | XX | XX | XX | 27070626 | 1700687933-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2007 | XX | XX | XX | 27070627 | 1700538339-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2007 | XX | XX | XX | 27070628 | 1700538339-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2656 | XX | XX | XX | 27070636 | 1700471095-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2656 | XX | XX | XX | 27070637 | 1700471095-5335 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) | Nebraska Mortgage Bankers Registration and Licensing Act: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower. | 2 | B | XX | NE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2327 | XX | XX | XX | 27070667 | 1700538365-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2327 | XX | XX | XX | 27070668 | 1700538365-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2327 | XX | XX | XX | 27070669 | 1700538365-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2735 | XX | XX | XX | 27070676 | 1700450325-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 1903 | XX | XX | XX | 27070677 | 1700210720-1891 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2611 | XX | XX | XX | 27070678 | 1700066451-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | IL | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2853 | XX | XX | XX | 27070682 | 1700151683-31489 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2853 | XX | XX | XX | 27070683 | 1700151683-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2552 | XX | XX | XX | 27070684 | 1700021996-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2550 | XX | XX | XX | 27070703 | 1699971353-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2550 | XX | XX | XX | 27070704 | 1699971353-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2550 | XX | XX | XX | 27070705 | 1699971353-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2606 | XX | XX | XX | 27070718 | 1699835964-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2606 | XX | XX | XX | 27070719 | 1699835964-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2011 | XX | XX | XX | 27070731 | 1700305497-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 2011 | XX | XX | XX | 27070732 | 1700305497-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 2011 | XX | XX | XX | 27070733 | 1700305497-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 2011 | XX | XX | XX | 27070734 | 1700305497-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 2011 | XX | XX | XX | 27070735 | 1700305497-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2011 | XX | XX | XX | 27070736 | 1700305497-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 2011 | XX | XX | XX | 27070737 | 1700305497-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 2011 | XX | XX | XX | 27070739 | 1700305497-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 2040 | XX | XX | XX | 27070743 | 1699712502-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2040 | XX | XX | XX | 27070744 | 1699712502-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2040 | XX | XX | XX | 27070745 | 1699712502-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2040 | XX | XX | XX | 27070746 | 1699712502-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2040 | XX | XX | XX | 27070748 | 1699712502-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2908 | XX | XX | XX | 27070750 | 1699644056-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 2559 | XX | XX | XX | 27070765 | 1699881476-2845 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Document: HUD-1 Addendum not provided | HUD line 1305 reflects "see additional disbursement exhibit", however, the exhibit was not located. $13108.32 added to payoffs. No fees included in HC testing. | 3 | D | XX | WI | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2559 | XX | XX | XX | 27070767 | 1699881476-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2559 | XX | XX | XX | 27070769 | 1699881476-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WI | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2559 | XX | XX | XX | 27070771 | 1699881476-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2559 | XX | XX | XX | 27070772 | 1699881476-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2559 | XX | XX | XX | 27070773 | 1699881476-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2559 | XX | XX | XX | 27070774 | 1699881476-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2911 | XX | XX | XX | 27070776 | 1699792816-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | WA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2911 | XX | XX | XX | 27070777 | 1699792816-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2379 | XX | XX | XX | 27070779 | 1699463307-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2791 | XX | XX | XX | 27070783 | 1699641095-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2791 | XX | XX | XX | 27070784 | 1699641095-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2791 | XX | XX | XX | 27070785 | 1699641095-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2791 | XX | XX | XX | 27070786 | 1699641095-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2791 | XX | XX | XX | 27070788 | 1699641095-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1919 | XX | XX | XX | 27070789 | 4004547127-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2018 | XX | XX | XX | 27070800 | 1699312379-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2018 | XX | XX | XX | 27070801 | 1699312379-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2295 | XX | XX | XX | 27070802 | 1699259677-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 1925 | XX | XX | XX | 27070803 | 1699587618-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1925 | XX | XX | XX | 27070804 | 1699587618-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $254,750.79 is underdisclosed from calculated Finance Charge of $255,075.20 in the amount of $324.41. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2862 | XX | XX | XX | 27070805 | 1699442754-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2862 | XX | XX | XX | 27070806 | 1699442754-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2862 | XX | XX | XX | 27070807 | 1699442754-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2862 | XX | XX | XX | 27070808 | 1699442754-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2862 | XX | XX | XX | 27070809 | 1699442754-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2501 | XX | XX | XX | 27070815 | 1699427838-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2501 | XX | XX | XX | 27070816 | 1699427838-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2501 | XX | XX | XX | 27070817 | 1699427838-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2501 | XX | XX | XX | 27070818 | 1699427838-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2501 | XX | XX | XX | 27070819 | 1699427838-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2501 | XX | XX | XX | 27070820 | 1699427838-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $191,131.17 is underdisclosed from calculated Finance Charge of $192,174.27 in the amount of $1,043.10. | The Lender's TIL reflects MI dropping off after 61 months, however, the audited TIL indicates MI should drop off after 77 months. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2487 | XX | XX | XX | 27070822 | 1699469148-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2487 | XX | XX | XX | 27070823 | 1699469148-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2751 | XX | XX | XX | 27070826 | 1699360174-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2751 | XX | XX | XX | 27070828 | 1699360174-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2751 | XX | XX | XX | 27070829 | 1699360174-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2751 | XX | XX | XX | 27070830 | 1699360174-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2751 | XX | XX | XX | 27070831 | 1699360174-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2751 | XX | XX | XX | 27070832 | 1699360174-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2796 | XX | XX | XX | 27070833 | 1699375475-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2796 | XX | XX | XX | 27070834 | 1699375475-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2796 | XX | XX | XX | 27070835 | 1699375475-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2683 | XX | XX | XX | 27070839 | 1699270420-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2704 | XX | XX | XX | 27070840 | 1699297596-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2284 | XX | XX | XX | 27070843 | 4004581562-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2284 | XX | XX | XX | 27070845 | 4004581562-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2284 | XX | XX | XX | 27070846 | 4004581562-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2801 | XX | XX | XX | 27070847 | 1699314118-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 2801 | XX | XX | XX | 27070848 | 1699314118-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | AZ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2801 | XX | XX | XX | 27070849 | 1699314118-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2403 | XX | XX | XX | 27070864 | 4004492116-3928 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2403 | XX | XX | XX | 27070865 | 4004492116-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 2403 | XX | XX | XX | 27070867 | 4004492116-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2403 | XX | XX | XX | 27070868 | 4004492116-6306 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2193 | XX | XX | XX | 27070875 | 1698802195-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1932 | XX | XX | XX | 27070877 | 1698806243-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1932 | XX | XX | XX | 27070878 | 1698806243-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1932 | XX | XX | XX | 27070879 | 1698806243-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 2872 | XX | XX | XX | 27070894 | 1699127577-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Investment | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1895 | XX | XX | XX | 27070896 | 1698894010-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 2536 | XX | XX | XX | 27070913 | 1699190392-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 2536 | XX | XX | XX | 27070915 | 1699190392-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2536 | XX | XX | XX | 27070916 | 1699190392-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 2536 | XX | XX | XX | 27070918 | 1699190392-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,867.44 is underdisclosed from calculated Finance Charge of $85,182.44 in the amount of $315.00. | Unable to determine under disclosure due to missing itemzation of amount financed. | 2 | B | XX | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2079 | XX | XX | XX | 27070919 | 1698585828-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2079 | XX | XX | XX | 27070920 | 1698585828-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2079 | XX | XX | XX | 27070921 | 1698585828-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2300 | XX | XX | XX | 27070927 | 1698767128-3675 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | ||||||||||||
| 2300 | XX | XX | XX | 27070928 | 1698767128-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2300 | XX | XX | XX | 27070929 | 1698767128-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2300 | XX | XX | XX | 27070931 | 1698767128-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2300 | XX | XX | XX | 27070932 | 1698767128-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2189 | XX | XX | XX | 27070947 | 1698832936-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WV | Second Home | Purchase | B | No | ||||||||||||
| 2189 | XX | XX | XX | 27070948 | 1698832936-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | WV | Second Home | Purchase | B | No | ||||||||||||
| 2561 | XX | XX | XX | 27070959 | 1698571198-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2561 | XX | XX | XX | 27070960 | 1698571198-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2861 | XX | XX | XX | 27070970 | 1698328725-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2034 | XX | XX | XX | 27070983 | 1698249024-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2034 | XX | XX | XX | 27070984 | 1698249024-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2622 | XX | XX | XX | 27070985 | 1699181883-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2622 | XX | XX | XX | 27070986 | 1699181883-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2054 | XX | XX | XX | 27070989 | 1698056715-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2054 | XX | XX | XX | 27070990 | 1698056715-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2829 | XX | XX | XX | 27070992 | 1698255648-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2829 | XX | XX | XX | 27070993 | 1698255648-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2829 | XX | XX | XX | 27070994 | 1698255648-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 2266 | XX | XX | XX | 27070996 | 1698028677-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2266 | XX | XX | XX | 27070997 | 1698028677-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2266 | XX | XX | XX | 27070998 | 1698028677-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2266 | XX | XX | XX | 27070999 | 1698028677-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2574 | XX | XX | XX | 27071005 | 4004381004-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2574 | XX | XX | XX | 27071006 | 4004381004-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2574 | XX | XX | XX | 27071007 | 4004381004-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2574 | XX | XX | XX | 27071008 | 4004381004-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2755 | XX | XX | XX | 27071010 | 1697986137-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2755 | XX | XX | XX | 27071011 | 1697986137-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2755 | XX | XX | XX | 27071012 | 1697986137-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2755 | XX | XX | XX | 27071013 | 1697986137-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2773 | XX | XX | XX | 27071034 | 1697771573-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | ID | Primary | Purchase | B | No | ||||||||||||
| 2773 | XX | XX | XX | 27071035 | 1697771573-6223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. | 2 | B | XX | ID | Primary | Purchase | B | No | ||||||||||||
| 2362 | XX | XX | XX | 27071038 | 1697748097-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2362 | XX | XX | XX | 27071039 | 1697748097-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2362 | XX | XX | XX | 27071041 | 1697748097-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2362 | XX | XX | XX | 27071042 | 1697748097-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2362 | XX | XX | XX | 27071043 | 1697748097-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2362 | XX | XX | XX | 27071044 | 1697748097-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2362 | XX | XX | XX | 27071045 | 1697748097-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2362 | XX | XX | XX | 27071046 | 1697748097-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2646 | XX | XX | XX | 27071047 | 1697872117-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2646 | XX | XX | XX | 27071048 | 1697872117-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2646 | XX | XX | XX | 27071049 | 1697872117-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2646 | XX | XX | XX | 27071050 | 1697872117-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2091 | XX | XX | XX | 27071054 | 1697848014-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2135 | XX | XX | XX | 27071052 | 1697891560-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2135 | XX | XX | XX | 27071053 | 1697891560-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $147,061.59 is underdisclosed from calculated Finance Charge of $147,425.15 in the amount of $363.56. | Unable to determine under disclosure due to missing Itemization of Amount Financed | 2 | B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2329 | XX | XX | XX | 27071059 | 1697474042-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2318 | XX | XX | XX | 27071061 | 1697691219-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2318 | XX | XX | XX | 27071062 | 1697691219-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2000 | XX | XX | XX | 27071063 | 1697605237-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 2000 | XX | XX | XX | 27071064 | 1697605237-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2000 | XX | XX | XX | 27071065 | 1697605237-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2142 | XX | XX | XX | 27071072 | 4004260888-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 2142 | XX | XX | XX | 27071073 | 4004260888-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2142 | XX | XX | XX | 27071074 | 4004260888-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 2142 | XX | XX | XX | 27071075 | 4004260888-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2142 | XX | XX | XX | 27071076 | 4004260888-6306 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2142 | XX | XX | XX | 27071077 | 4004260888-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $164,317.78 is underdisclosed from calculated Finance Charge of $164,567.78 in the amount of $250.00. | TIL does not include PMI | 2 | B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2881 | XX | XX | XX | 27071067 | 1697710827-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 2881 | XX | XX | XX | 27071068 | 1697710827-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2881 | XX | XX | XX | 27071069 | 1697710827-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2881 | XX | XX | XX | 27071070 | 1697710827-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 2881 | XX | XX | XX | 27071071 | 1697710827-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1910 | XX | XX | XX | 27071084 | 1697182074-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1910 | XX | XX | XX | 27071085 | 1697182074-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1910 | XX | XX | XX | 27071086 | 1697182074-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1910 | XX | XX | XX | 27071087 | 1697182074-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2592 | XX | XX | XX | 27071090 | 1697112466-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2175 | XX | XX | XX | 27071091 | 4004270009-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2036 | XX | XX | XX | 27071100 | 4004198328-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2036 | XX | XX | XX | 27071101 | 4004198328-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 2036 | XX | XX | XX | 27071103 | 4004198328-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 2813 | XX | XX | XX | 27071109 | 1696957879-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2813 | XX | XX | XX | 27071110 | 1696957879-7042 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2366 | XX | XX | XX | 27071123 | 4004241469-2666 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1994 | XX | XX | XX | 27071145 | 4004165013-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | |||||||||||||
| 1994 | XX | XX | XX | 27071147 | 4004165013-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | UTD | UTD - UTD | D | No | |||||||||||||
| 1994 | XX | XX | XX | 27071148 | 4004165013-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | |||||||||||||
| 1994 | XX | XX | XX | 27071150 | 4004165013-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | ||||||||||||
| 1994 | XX | XX | XX | 27071151 | 4004165013-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | UTD | UTD - UTD | D | No | ||||||||||||
| 1994 | XX | XX | XX | 27071152 | 4004165013-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | ||||||||||||
| 1994 | XX | XX | XX | 27071153 | 4004165013-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | ||||||||||||
| 1994 | XX | XX | XX | 27071154 | 4004165013-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1994 | XX | XX | XX | 27071155 | 4004165013-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | UTD | UTD - UTD | D | No | ||||||||||||
| 2059 | XX | XX | XX | 27071156 | 4004128165-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2059 | XX | XX | XX | 27071157 | 4004128165-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2059 | XX | XX | XX | 27071158 | 4004128165-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2059 | XX | XX | XX | 27071159 | 4004128165-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2059 | XX | XX | XX | 27071160 | 4004128165-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $123,329.63 is underdisclosed from calculated Finance Charge of $130,672.41 in the amount of $7,342.78. | Under disclosure due to lender used unknown index below 2.1938% minimum index in look back | 2 | B | XX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2059 | XX | XX | XX | 27071161 | 4004128165-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2305 | XX | XX | XX | 27071167 | 4004120315-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2305 | XX | XX | XX | 27071168 | 4004120315-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2286 | XX | XX | XX | 27071183 | 4004300287-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2286 | XX | XX | XX | 27071184 | 4004300287-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2286 | XX | XX | XX | 27071185 | 4004300287-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2286 | XX | XX | XX | 27071186 | 4004300287-7039 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2286 | XX | XX | XX | 27071187 | 4004300287-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $91,302.42 is underdisclosed from calculated Finance Charge of $91,715.42 in the amount of $413.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2624 | XX | XX | XX | 27071189 | 1696456466-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | |||||||||||||
| 2624 | XX | XX | XX | 27071191 | 1696456466-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | |||||||||||||
| 2624 | XX | XX | XX | 27071192 | 1696456466-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | ||||||||||||
| 2624 | XX | XX | XX | 27071193 | 1696456466-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IL | Primary | Refinance - UTD | D | No | ||||||||||||
| 2624 | XX | XX | XX | 27071194 | 1696456466-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | ||||||||||||
| 2624 | XX | XX | XX | 27071195 | 1696456466-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | ||||||||||||
| 2624 | XX | XX | XX | 27071196 | 1696456466-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2624 | XX | XX | XX | 27071197 | 1696456466-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Refinance - UTD | D | No | ||||||||||||
| 2057 | XX | XX | XX | 27071206 | 1696255967-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 2569 | XX | XX | XX | 27071213 | 1696033380-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2569 | XX | XX | XX | 27071214 | 1696033380-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2488 | XX | XX | XX | 27071218 | 1696362580-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2488 | XX | XX | XX | 27071220 | 1696362580-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2488 | XX | XX | XX | 27071222 | 1696362580-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | |||||||||||||
| 2488 | XX | XX | XX | 27071223 | 1696362580-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2488 | XX | XX | XX | 27071224 | 1696362580-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2488 | XX | XX | XX | 27071225 | 1696362580-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2488 | XX | XX | XX | 27071226 | 1696362580-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 2488 | XX | XX | XX | 27071227 | 1696362580-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2488 | XX | XX | XX | 27071228 | 1696362580-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | UTD | UTD - UTD | D | No | ||||||||||||
| 1924 | XX | XX | XX | 27071230 | 4004047366-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2227 | XX | XX | XX | 27071233 | 4003997944-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | |||||||||||||
| 2227 | XX | XX | XX | 27071235 | 4003997944-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | UTD | UTD - UTD | D | No | |||||||||||||
| 2227 | XX | XX | XX | 27071236 | 4003997944-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | |||||||||||||
| 2227 | XX | XX | XX | 27071238 | 4003997944-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2227 | XX | XX | XX | 27071239 | 4003997944-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2227 | XX | XX | XX | 27071240 | 4003997944-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2227 | XX | XX | XX | 27071241 | 4003997944-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2227 | XX | XX | XX | 27071242 | 4003997944-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2227 | XX | XX | XX | 27071243 | 4003997944-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | SC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2227 | XX | XX | XX | 27071244 | 4003997944-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | SC | UTD | UTD - UTD | D | No | ||||||||||||
| 2518 | XX | XX | XX | 27071247 | 1695767594-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2518 | XX | XX | XX | 27071248 | 1695767594-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2518 | XX | XX | XX | 27071249 | 1695767594-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2518 | XX | XX | XX | 27071250 | 1695767594-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2518 | XX | XX | XX | 27071251 | 1695767594-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2518 | XX | XX | XX | 27071252 | 1695767594-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2345 | XX | XX | XX | 27071254 | 1695638611-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 2345 | XX | XX | XX | 27071255 | 1695638611-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | FL | Second Home | Purchase | B | No | ||||||||||||
| 2434 | XX | XX | XX | 27071266 | 1695513697-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2434 | XX | XX | XX | 27071267 | 1695513697-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2434 | XX | XX | XX | 27071268 | 1695513697-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2480 | XX | XX | XX | 27071270 | 1696078743-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $77,427.36 is underdisclosed from calculated Finance Charge of $77,677.36 in the amount of $250.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2463 | XX | XX | XX | 27071273 | 1695620841-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2463 | XX | XX | XX | 27071274 | 1695620841-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2463 | XX | XX | XX | 27071275 | 1695620841-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2463 | XX | XX | XX | 27071276 | 1695620841-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2463 | XX | XX | XX | 27071277 | 1695620841-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2463 | XX | XX | XX | 27071278 | 1695620841-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2463 | XX | XX | XX | 27071279 | 1695620841-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2463 | XX | XX | XX | 27071281 | 1695620841-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2821 | XX | XX | XX | 27071289 | 1695795000-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2821 | XX | XX | XX | 27071290 | 1695795000-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 2636 | XX | XX | XX | 27071292 | 1695439041-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | |||||||||||||
| 2636 | XX | XX | XX | 27071293 | 1695439041-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | ||||||||||||
| 2636 | XX | XX | XX | 27071294 | 1695439041-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MO | UTD | Refinance - UTD | D | No | ||||||||||||
| 2636 | XX | XX | XX | 27071295 | 1695439041-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | ||||||||||||
| 2636 | XX | XX | XX | 27071296 | 1695439041-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MO | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2636 | XX | XX | XX | 27071297 | 1695439041-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | ||||||||||||
| 2636 | XX | XX | XX | 27071298 | 1695439041-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | |||||||||||||
| 2636 | XX | XX | XX | 27071301 | 1695439041-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MO | UTD | Refinance - UTD | D | No | |||||||||||||
| 1911 | XX | XX | XX | 27071314 | 1696194234-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1911 | XX | XX | XX | 27071316 | 1696194234-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1911 | XX | XX | XX | 27071317 | 1696194234-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1911 | XX | XX | XX | 27071318 | 1696194234-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1911 | XX | XX | XX | 27071319 | 1696194234-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1911 | XX | XX | XX | 27071320 | 1696194234-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2428 | XX | XX | XX | 27071346 | 1694950104-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2428 | XX | XX | XX | 27071347 | 1694950104-28240 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2506 | XX | XX | XX | 27071356 | 1694690163-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2506 | XX | XX | XX | 27071357 | 1694690163-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2506 | XX | XX | XX | 27071358 | 1694690163-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2506 | XX | XX | XX | 27071359 | 1694690163-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2506 | XX | XX | XX | 27071360 | 1694690163-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2090 | XX | XX | XX | 27071363 | 4003807607-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 2090 | XX | XX | XX | 27071364 | 4003807607-25686 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2090 | XX | XX | XX | 27071365 | 4003807607-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 2905 | XX | XX | XX | 27071368 | 1694290621-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2905 | XX | XX | XX | 27071369 | 1694290621-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2708 | XX | XX | XX | 27071371 | 4003762917-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2154 | XX | XX | XX | 27071375 | 1693957493-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2793 | XX | XX | XX | 27071384 | 1693683640-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2793 | XX | XX | XX | 27071385 | 1693683640-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2793 | XX | XX | XX | 27071386 | 1693683640-7042 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2793 | XX | XX | XX | 27071387 | 1693683640-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 2500 | XX | XX | XX | 27071389 | 1692871321-1974 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2500 | XX | XX | XX | 27071390 | 1692871321-1977 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2500 | XX | XX | XX | 27071391 | 1692871321-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2500 | XX | XX | XX | 27071392 | 1692871321-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2500 | XX | XX | XX | 27071393 | 1692871321-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2500 | XX | XX | XX | 27071394 | 1692871321-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2012 | XX | XX | XX | 27071396 | 1694486364-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2012 | XX | XX | XX | 27071397 | 1694486364-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 2012 | XX | XX | XX | 27071398 | 1694486364-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2012 | XX | XX | XX | 27071399 | 1694486364-7040 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2012 | XX | XX | XX | 27071402 | 1694486364-613 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2149 | XX | XX | XX | 27071405 | 1693019997-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2826 | XX | XX | XX | 27071418 | 1693113930-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2826 | XX | XX | XX | 27071419 | 1693113930-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2826 | XX | XX | XX | 27071420 | 1693113930-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2826 | XX | XX | XX | 27071421 | 1693113930-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2050 | XX | XX | XX | 27071430 | 4003642231-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2050 | XX | XX | XX | 27071431 | 4003642231-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,634.55 is underdisclosed from calculated Finance Charge of $88,701.00 in the amount of $66.45. | TIL itemization did not disclose a courier fee of $32 as a prepaid finance charge; and Under disclosure is due to the lender’s TIL reflecting MI being in force for 43 months, however based on the loan amount and appraised value the MI would be in force for 44 months. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2601 | XX | XX | XX | 27071433 | 1692887801-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2601 | XX | XX | XX | 27071435 | 1692887801-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2601 | XX | XX | XX | 27071436 | 1692887801-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2601 | XX | XX | XX | 27071437 | 1692887801-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2601 | XX | XX | XX | 27071438 | 1692887801-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 2706 | XX | XX | XX | 27071445 | 4003579508-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2706 | XX | XX | XX | 27071447 | 4003579508-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1899 | XX | XX | XX | 27071451 | 1692587156-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1899 | XX | XX | XX | 27071453 | 1692587156-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1899 | XX | XX | XX | 27071454 | 1692587156-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1899 | XX | XX | XX | 27071455 | 1692587156-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2095 | XX | XX | XX | 27071471 | 4003512322-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1908 | XX | XX | XX | 27071460 | 1689483209-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | |||||||||||||
| 1908 | XX | XX | XX | 27071462 | 1689483209-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | ||||||||||||
| 1908 | XX | XX | XX | 27071463 | 1689483209-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MA | UTD | UTD - UTD | D | No | ||||||||||||
| 1908 | XX | XX | XX | 27071464 | 1689483209-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | ||||||||||||
| 1908 | XX | XX | XX | 27071465 | 1689483209-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | ||||||||||||
| 1908 | XX | XX | XX | 27071466 | 1689483209-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1908 | XX | XX | XX | 27071467 | 1689483209-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | ||||||||||||
| 1908 | XX | XX | XX | 27071468 | 1689483209-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | UTD | UTD - UTD | D | No | |||||||||||||
| 1908 | XX | XX | XX | 27071470 | 1689483209-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | MA | UTD | UTD - UTD | D | No | |||||||||||||
| 2815 | XX | XX | XX | 27071475 | 1689416242-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 2231 | XX | XX | XX | 27071485 | 1692352181-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2231 | XX | XX | XX | 27071486 | 1692352181-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $146,152.66 is underdisclosed from calculated Finance Charge of $146,338.14 in the amount of $185.48. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2409 | XX | XX | XX | 27071495 | 4003517412-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $280,654.70 is underdisclosed from calculated Finance Charge of $282,098.01 in the amount of $1,443.31. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1912 | XX | XX | XX | 27071493 | 1692812758-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 1912 | XX | XX | XX | 27071494 | 1692812758-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NH | Primary | Purchase | B | No | ||||||||||||
| 2836 | XX | XX | XX | 27071498 | 4003408357-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2836 | XX | XX | XX | 27071499 | 4003408357-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2339 | XX | XX | XX | 27071507 | 1689378240-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 2339 | XX | XX | XX | 27071508 | 1689378240-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 2339 | XX | XX | XX | 27071509 | 1689378240-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | |||||||||||||
| 2339 | XX | XX | XX | 27071512 | 1689378240-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 2339 | XX | XX | XX | 27071513 | 1689378240-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 2339 | XX | XX | XX | 27071514 | 1689378240-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 2339 | XX | XX | XX | 27071515 | 1689378240-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 2339 | XX | XX | XX | 27071516 | 1689378240-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2339 | XX | XX | XX | 27071517 | 1689378240-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | UTD - UTD | D | No | ||||||||||||
| 2617 | XX | XX | XX | 27071518 | 1689691420-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 2051 | XX | XX | XX | 27071535 | 4003309759-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $137,772.47 is underdisclosed from calculated Finance Charge of $137,821.90 in the amount of $49.43. | Under disclosure due to lender did no include $46.50 courier fee as prepaid finance charge. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2051 | XX | XX | XX | 27071536 | 4003309759-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2051 | XX | XX | XX | 27071537 | 4003309759-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2051 | XX | XX | XX | 27071538 | 4003309759-5010 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2016 | XX | XX | XX | 27071541 | 1689121523-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | |||||||||||||
| 2016 | XX | XX | XX | 27071542 | 1689121523-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | |||||||||||||
| 2016 | XX | XX | XX | 27071544 | 1689121523-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | |||||||||||||
| 2016 | XX | XX | XX | 27071545 | 1689121523-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | ||||||||||||
| 2016 | XX | XX | XX | 27071546 | 1689121523-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | UTD | Refinance - UTD | D | No | ||||||||||||
| 2016 | XX | XX | XX | 27071547 | 1689121523-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | ||||||||||||
| 2016 | XX | XX | XX | 27071548 | 1689121523-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2016 | XX | XX | XX | 27071549 | 1689121523-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | ||||||||||||
| 2016 | XX | XX | XX | 27071552 | 1689121523-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | NY | UTD | Refinance - UTD | D | No | ||||||||||||
| 2587 | XX | XX | XX | 27071553 | 1688922913-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2587 | XX | XX | XX | 27071554 | 1688922913-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2489 | XX | XX | XX | 27071557 | 1688388938-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 2489 | XX | XX | XX | 27071559 | 1688388938-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 2489 | XX | XX | XX | 27071560 | 1688388938-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2489 | XX | XX | XX | 27071561 | 1688388938-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2489 | XX | XX | XX | 27071562 | 1688388938-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2710 | XX | XX | XX | 27071563 | 1688609353-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2710 | XX | XX | XX | 27071564 | 1688609353-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2710 | XX | XX | XX | 27071565 | 1688609353-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2738 | XX | XX | XX | 27071556 | 1688125052-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2386 | XX | XX | XX | 27071566 | 1688073880-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AL | Primary | Purchase | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071567 | 1688841546-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071568 | 1688841546-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071569 | 1688841546-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071570 | 1688841546-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071571 | 1688841546-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2505 | XX | XX | XX | 27071572 | 1688841546-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2505 | XX | XX | XX | 27071573 | 1688841546-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2906 | XX | XX | XX | 27071579 | 1688847193-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | WA | Investment | Refinance - Rate/Term | D | No | ||||||||||||
| 2906 | XX | XX | XX | 27071580 | 1688847193-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WA | Investment | Refinance - Rate/Term | D | No | ||||||||||||
| 2502 | XX | XX | XX | 27071585 | 1688767897-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2502 | XX | XX | XX | 27071587 | 1688767897-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2502 | XX | XX | XX | 27071588 | 1688767897-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2502 | XX | XX | XX | 27071589 | 1688767897-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2502 | XX | XX | XX | 27071590 | 1688767897-25686 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2502 | XX | XX | XX | 27071591 | 1688767897-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 2502 | XX | XX | XX | 27071592 | 1688767897-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2502 | XX | XX | XX | 27071593 | 1688767897-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2257 | XX | XX | XX | 27071581 | 4003298808-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 2257 | XX | XX | XX | 27071582 | 4003298808-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $182,085.97 is underdisclosed from calculated Finance Charge of $184,020.97 in the amount of $1,935.00. | Unable to determine underdisclosure due to missing Fee Itemization. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 2290 | XX | XX | XX | 27071630 | 1686661294-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Investment | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2290 | XX | XX | XX | 27071631 | 1686661294-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2290 | XX | XX | XX | 27071632 | 1686661294-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2289 | XX | XX | XX | 27071635 | 1687772590-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2289 | XX | XX | XX | 27071636 | 1687772590-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2289 | XX | XX | XX | 27071637 | 1687772590-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2289 | XX | XX | XX | 27071638 | 1687772590-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2289 | XX | XX | XX | 27071639 | 1687772590-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2289 | XX | XX | XX | 27071640 | 1687772590-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2289 | XX | XX | XX | 27071641 | 1687772590-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2289 | XX | XX | XX | 27071643 | 1687772590-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1954 | XX | XX | XX | 27071644 | 1687647105-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1954 | XX | XX | XX | 27071646 | 1687647105-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1954 | XX | XX | XX | 27071648 | 1687647105-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1954 | XX | XX | XX | 27071649 | 1687647105-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1954 | XX | XX | XX | 27071650 | 1687647105-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2202 | XX | XX | XX | 27071653 | 4003220203-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 2202 | XX | XX | XX | 27071654 | 4003220203-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 2202 | XX | XX | XX | 27071655 | 4003220203-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 2202 | XX | XX | XX | 27071656 | 4003220203-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071662 | 1686661292-611 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071663 | 1686661292-613 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071664 | 1686661292-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071666 | 1686661292-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071667 | 1686661292-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 2288 | XX | XX | XX | 27071668 | 1686661292-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2288 | XX | XX | XX | 27071669 | 1686661292-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2288 | XX | XX | XX | 27071670 | 1686661292-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2288 | XX | XX | XX | 27071671 | 1686661292-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2288 | XX | XX | XX | 27071672 | 1686661292-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2348 | XX | XX | XX | 27071677 | 1686702915-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 2553 | XX | XX | XX | 27071688 | 1686011112-7027 | 06/28/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2558 | XX | XX | XX | 27071691 | 4002997894-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 2558 | XX | XX | XX | 27071692 | 4002997894-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 2558 | XX | XX | XX | 27071695 | 4002997894-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WI | Primary | Purchase | B | No | |||||||||||||
| 2650 | XX | XX | XX | 27071690 | 1685055874-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 2049 | XX | XX | XX | 27071716 | 1685327757-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 2049 | XX | XX | XX | 27071718 | 1685327757-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2049 | XX | XX | XX | 27071719 | 1685327757-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2777 | XX | XX | XX | 27071720 | 1684969517-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | ID | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2777 | XX | XX | XX | 27071721 | 1684969517-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | ID | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2777 | XX | XX | XX | 27071722 | 1684969517-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $121,694.04 is underdisclosed from calculated Finance Charge of $122,084.84 in the amount of $390.80. | TIL Itemization did not disclose $375.00 Settlement Fee as a prepaid finance charge. | 2 | B | XX | ID | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 2387 | XX | XX | XX | 27071756 | 1683801311-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2387 | XX | XX | XX | 27071757 | 1683801311-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2387 | XX | XX | XX | 27071759 | 1683801311-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2387 | XX | XX | XX | 27071760 | 1683801311-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $106,321.87 is underdisclosed from calculated Finance Charge of $106,411.82 in the amount of $89.95. | TIL Itemization only disclosed attorney charges in the amount of $500 and final HUD reflects $600 | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2719 | XX | XX | XX | 27071764 | 1684269721-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2719 | XX | XX | XX | 27071765 | 1684269721-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2701 | XX | XX | XX | 27071767 | 4002906956-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2701 | XX | XX | XX | 27071768 | 4002906956-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,267.68 is underdisclosed from calculated Finance Charge of $303,686.14 in the amount of $1,418.46. | Under disclosure is due to the lender’s TIL reflecting MI being in force for 120 months, however based on the loan amount and appraised value the MI would be in force for 167 months. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 2437 | XX | XX | XX | 27071772 | 1683708993-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 2437 | XX | XX | XX | 27071773 | 1683708993-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 1892 | XX | XX | XX | 27071776 | 1683770106-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1892 | XX | XX | XX | 27071777 | 1683770106-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1892 | XX | XX | XX | 27071778 | 1683770106-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1892 | XX | XX | XX | 27071779 | 1683770106-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 2405 | XX | XX | XX | 27071787 | 1683138604-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TN | UTD | Purchase | D | No | |||||||||||||
| 2405 | XX | XX | XX | 27071789 | 1683138604-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | UTD | Purchase | D | No | |||||||||||||
| 2405 | XX | XX | XX | 27071791 | 1683138604-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | TN | UTD | Purchase | D | No | |||||||||||||
| 2405 | XX | XX | XX | 27071792 | 1683138604-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | TN | UTD | Purchase | D | No | ||||||||||||
| 2405 | XX | XX | XX | 27071793 | 1683138604-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TN | UTD | Purchase | D | No | ||||||||||||
| 2405 | XX | XX | XX | 27071794 | 1683138604-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TN | UTD | Purchase | D | No | ||||||||||||
| 2405 | XX | XX | XX | 27071795 | 1683138604-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TN | UTD | Purchase | D | No | ||||||||||||
| 2405 | XX | XX | XX | 27071796 | 1683138604-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | UTD | Purchase | D | No | ||||||||||||
| 2634 | XX | XX | XX | 27071800 | 4002531783-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 2573 | XX | XX | XX | 27071801 | 1683104798-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2491 | XX | XX | XX | 27071824 | 1681806754-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2491 | XX | XX | XX | 27071826 | 1681806754-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 2085 | XX | XX | XX | 27071842 | 1681672768-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2085 | XX | XX | XX | 27071845 | 1681672768-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | PA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2085 | XX | XX | XX | 27071846 | 1681672768-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2085 | XX | XX | XX | 27071847 | 1681672768-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2085 | XX | XX | XX | 27071848 | 1681672768-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 2066 | XX | XX | XX | 27071855 | 4002246524-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2066 | XX | XX | XX | 27071856 | 4002246524-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2069 | XX | XX | XX | 27071859 | 1680698157-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | UTD | Purchase | D | No | |||||||||||||
| 2069 | XX | XX | XX | 27071861 | 1680698157-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | UTD | Purchase | D | No | |||||||||||||
| 2069 | XX | XX | XX | 27071862 | 1680698157-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | PA | UTD | Purchase | D | No | |||||||||||||
| 2069 | XX | XX | XX | 27071863 | 1680698157-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | PA | UTD | Purchase | D | No | ||||||||||||
| 2069 | XX | XX | XX | 27071864 | 1680698157-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | PA | UTD | Purchase | D | No | ||||||||||||
| 2069 | XX | XX | XX | 27071865 | 1680698157-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | PA | UTD | Purchase | D | No | ||||||||||||
| 2069 | XX | XX | XX | 27071866 | 1680698157-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | PA | UTD | Purchase | D | No | ||||||||||||
| 2069 | XX | XX | XX | 27071867 | 1680698157-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | UTD | Purchase | D | No | ||||||||||||
| 2494 | XX | XX | XX | 27071873 | 1680349022-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | IN | Investment | Refinance - Rate/Term | B | No | ||||||||||||
| 2319 | XX | XX | XX | 27071884 | 4001946070-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2319 | XX | XX | XX | 27071885 | 4001946070-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2319 | XX | XX | XX | 27071886 | 4001946070-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2319 | XX | XX | XX | 27071887 | 4001946070-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2319 | XX | XX | XX | 27071888 | 4001946070-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 2319 | XX | XX | XX | 27071889 | 4001946070-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2319 | XX | XX | XX | 27071891 | 4001946070-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2319 | XX | XX | XX | 27071892 | 4001946070-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 2255 | XX | XX | XX | 27071896 | 1680688626-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 2255 | XX | XX | XX | 27071897 | 1680688626-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 2255 | XX | XX | XX | 27071899 | 1680688626-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2255 | XX | XX | XX | 27071900 | 1680688626-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2255 | XX | XX | XX | 27071901 | 1680688626-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 2779 | XX | XX | XX | 27071912 | 1677578749-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2705 | XX | XX | XX | 27071918 | 1679293358-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 2705 | XX | XX | XX | 27071920 | 1679293358-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2705 | XX | XX | XX | 27071921 | 1679293358-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2705 | XX | XX | XX | 27071922 | 1679293358-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 2784 | XX | XX | XX | 27071923 | 1679292917-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 2784 | XX | XX | XX | 27071925 | 1679292917-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 2784 | XX | XX | XX | 27071926 | 1679292917-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | UTD | Purchase | B | No | |||||||||||||
| 2784 | XX | XX | XX | 27071928 | 1679292917-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 2784 | XX | XX | XX | 27071929 | 1679292917-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 2784 | XX | XX | XX | 27071930 | 1679292917-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AZ | UTD | Purchase | B | No | ||||||||||||
| 1927 | XX | XX | XX | 27071935 | 1676723980-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Purchase | B | No | |||||||||||||
| 1927 | XX | XX | XX | 27071936 | 1676723980-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 1927 | XX | XX | XX | 27071937 | 1676723980-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 2184 | XX | XX | XX | 27071954 | 1676504437-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2184 | XX | XX | XX | 27071955 | 1676504437-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 2687 | XX | XX | XX | 27071972 | 1676223913-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OK | Primary | Purchase | B | No | |||||||||||||
| 2687 | XX | XX | XX | 27071973 | 1676223913-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | Primary | Purchase | B | No | |||||||||||||
| 2687 | XX | XX | XX | 27071974 | 1676223913-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 2687 | XX | XX | XX | 27071975 | 1676223913-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 2258 | XX | XX | XX | 27072006 | 1675678481-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2258 | XX | XX | XX | 27072007 | 1675678481-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2258 | XX | XX | XX | 27072008 | 1675678481-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | UTD | Purchase | D | No | |||||||||||||
| 2258 | XX | XX | XX | 27072009 | 1675678481-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/1999 used as disbursement date for compliance testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2258 | XX | XX | XX | 27072010 | 1675678481-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2258 | XX | XX | XX | 27072011 | 1675678481-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2258 | XX | XX | XX | 27072012 | 1675678481-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2258 | XX | XX | XX | 27072013 | 1675678481-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | UTD | Purchase | D | No | ||||||||||||
| 2195 | XX | XX | XX | 27072014 | 4001387805-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 2195 | XX | XX | XX | 27072015 | 4001387805-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 2530 | XX | XX | XX | 27072019 | 1673528239-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 2530 | XX | XX | XX | 27072020 | 1673528239-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2530 | XX | XX | XX | 27072021 | 1673528239-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 2746 | XX | XX | XX | 27072028 | 1673400540-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 2746 | XX | XX | XX | 27072029 | 1673400540-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2746 | XX | XX | XX | 27072030 | 1673400540-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2746 | XX | XX | XX | 27072031 | 1673400540-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2746 | XX | XX | XX | 27072032 | 1673400540-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2746 | XX | XX | XX | 27072033 | 1673400540-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 2662 | XX | XX | XX | 27072048 | 1673376178-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2662 | XX | XX | XX | 27072049 | 1673376178-24412 | 06/21/2022 | Compliance | Compliance | State Compliance | State Late Charge | Louisiana Late Charge Percent Testing | Louisiana Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2662 | XX | XX | XX | 27072050 | 1673376178-25811 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Louisiana Prepayment Penalty | Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of 3.87500%, 3.87500%, 3.87500%, 3.87500%, 3.87500%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | 2 | B | XX | LA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 2115 | XX | XX | XX | 27072051 | 1669847956-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DE | Primary | Purchase | B | No | |||||||||||||
| 2115 | XX | XX | XX | 27072053 | 1669847956-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 2115 | XX | XX | XX | 27072054 | 1669847956-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 2371 | XX | XX | XX | 27072088 | 1666850471-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1997 used as disbursement date for compliance testing. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2371 | XX | XX | XX | 27072089 | 1666850471-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2371 | XX | XX | XX | 27072090 | 1666850471-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2371 | XX | XX | XX | 27072091 | 1666850471-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2371 | XX | XX | XX | 27072092 | 1666850471-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | UTD | Purchase | D | No | ||||||||||||
| 2371 | XX | XX | XX | 27072093 | 1666850471-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2371 | XX | XX | XX | 27072094 | 1666850471-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2371 | XX | XX | XX | 27072096 | 1666850471-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | UTD | Purchase | D | No | |||||||||||||
| 2443 | XX | XX | XX | 27072122 | 1662704314-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1994 used as disbursement date for compliance testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2443 | XX | XX | XX | 27072123 | 1662704314-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2443 | XX | XX | XX | 27072124 | 1662704314-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2443 | XX | XX | XX | 27072125 | 1662704314-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2443 | XX | XX | XX | 27072126 | 1662704314-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 2443 | XX | XX | XX | 27072127 | 1662704314-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | ||||||||||||
| 2443 | XX | XX | XX | 27072128 | 1662704314-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2443 | XX | XX | XX | 27072129 | 1662704314-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - UTD | D | No | |||||||||||||
| 2019 | XX | XX | XX | 27072168 | 1662209428-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $157,660.71 is underdisclosed from calculated Finance Charge of $158,320.71 in the amount of $660.00. | TIL itemization did not disclose an attorney fee of $570, a courier fee of $20, a doc signing fee of $75, a tax service fee of $33 or a courier fee of $15 as prepaid finance charges. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 2019 | XX | XX | XX | 27072169 | 1662209428-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2019 | XX | XX | XX | 27072170 | 1662209428-2799 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | 3 | D | XX | NY | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 2707 | XX | XX | XX | 27072172 | 1422616085-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1993 used as disbursement date for compliance testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 2707 | XX | XX | XX | 27072173 | 1422616085-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 2707 | XX | XX | XX | 27072174 | 1422616085-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 2707 | XX | XX | XX | 27072175 | 1422616085-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 2707 | XX | XX | XX | 27072176 | 1422616085-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 2707 | XX | XX | XX | 27072177 | 1422616085-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 2707 | XX | XX | XX | 27072178 | 1422616085-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 2707 | XX | XX | XX | 27072179 | 1422616085-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 454 | XX | XX | XX | 36798393 | 318172-493-3141 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | NJ | Primary | Purchase | C | UTD | Safe Harbor QM | No | ||||||||||
| 454 | XX | XX | XX | 36798395 | 318172-493-3867 | 11/30/2017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan does not meet Temp SHQM after being tested due to: Calculated PITIA months reserves of 1.04 is less than AUS PITIA months reserves of 2.00. | 3 | C | XX | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | UTD | Safe Harbor QM | No | ||||||||
| 523 | XX | XX | XX | 36798397 | 318369-493-4613 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2017 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XX/12/2017) | Homeowners insurance listed as $995 for 12 months under prepaids. Actual monthly fee is $84.34 x 12 = $1012.08. Renewal in file indicates annual premium of $1,012. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | B | UTD | Temporary SHQM (GSE/Agency Eligible) | No | ||||||||
| 523 | XX | XX | XX | 36798399 | 318369-493-4957 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Title Agent fee incorrectly reflected in section B versus C. Title Agent no indicated on SSPL. | 2 | B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | Good Faith Redisclosure | B | UTD | Temporary SHQM (GSE/Agency Eligible) | No | |||||||||
| 942 | XX | XX | XX | 36798403 | 320183-509-1056 | 04/16/2018 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | 2 | B | XX | NC | Investment | Purchase | B | N/A | N/A | No | ||||||||||
| 436 | XX | XX | XX | 36798406 | 318123-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 436 | XX | XX | XX | 36798407 | 318123-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 436 | XX | XX | XX | 36798408 | 318123-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 437 | XX | XX | XX | 36798409 | 318124-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 437 | XX | XX | XX | 36798410 | 318124-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 437 | XX | XX | XX | 36798411 | 318124-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 437 | XX | XX | XX | 36798412 | 318124-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 437 | XX | XX | XX | 36798413 | 318124-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798414 | 318126-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798415 | 318126-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798416 | 318126-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798417 | 318126-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798418 | 318126-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 438 | XX | XX | XX | 36798419 | 318126-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 438 | XX | XX | XX | 36798420 | 318126-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 439 | XX | XX | XX | 36798422 | 318127-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 439 | XX | XX | XX | 36798423 | 318127-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 439 | XX | XX | XX | 36798424 | 318127-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 439 | XX | XX | XX | 36798425 | 318127-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 439 | XX | XX | XX | 36798426 | 318127-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 439 | XX | XX | XX | 36798427 | 318127-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 439 | XX | XX | XX | 36798428 | 318127-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 440 | XX | XX | XX | 36798430 | 318129-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 441 | XX | XX | XX | 36798432 | 318130-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 441 | XX | XX | XX | 36798433 | 318130-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 441 | XX | XX | XX | 36798434 | 318130-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 441 | XX | XX | XX | 36798435 | 318130-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 441 | XX | XX | XX | 36798436 | 318130-493-3078 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 442 | XX | XX | XX | 36798438 | 318131-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 443 | XX | XX | XX | 36798439 | 318132-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 443 | XX | XX | XX | 36798440 | 318132-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 444 | XX | XX | XX | 36798441 | 318133-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 444 | XX | XX | XX | 36798442 | 318133-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 444 | XX | XX | XX | 36798443 | 318133-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 444 | XX | XX | XX | 36798444 | 318133-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 445 | XX | XX | XX | 36798447 | 318134-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 445 | XX | XX | XX | 36798448 | 318134-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 445 | XX | XX | XX | 36798449 | 318134-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 445 | XX | XX | XX | 36798450 | 318134-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 445 | XX | XX | XX | 36798451 | 318134-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 445 | XX | XX | XX | 36798452 | 318134-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 446 | XX | XX | XX | 36798454 | 318135-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 446 | XX | XX | XX | 36798455 | 318135-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 446 | XX | XX | XX | 36798456 | 318135-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 446 | XX | XX | XX | 36798457 | 318135-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 446 | XX | XX | XX | 36798458 | 318135-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 446 | XX | XX | XX | 36798459 | 318135-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 446 | XX | XX | XX | 36798460 | 318135-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 446 | XX | XX | XX | 36798461 | 318135-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 447 | XX | XX | XX | 36798463 | 318136-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 447 | XX | XX | XX | 36798464 | 318136-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 447 | XX | XX | XX | 36798465 | 318136-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 448 | XX | XX | XX | 36798466 | 318140-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | RI | Primary | Purchase | B | No | |||||||||||||
| 448 | XX | XX | XX | 36798467 | 318140-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 448 | XX | XX | XX | 36798468 | 318140-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | RI | Primary | Purchase | B | No | ||||||||||||
| 448 | XX | XX | XX | 36798469 | 318140-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | RI | Primary | Purchase | B | No | |||||||||||||
| 448 | XX | XX | XX | 36798470 | 318140-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | RI | Primary | Purchase | B | No | |||||||||||||
| 449 | XX | XX | XX | 36798472 | 318143-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 449 | XX | XX | XX | 36798473 | 318143-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 449 | XX | XX | XX | 36798474 | 318143-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 450 | XX | XX | XX | 36798475 | 318150-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 450 | XX | XX | XX | 36798476 | 318150-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 450 | XX | XX | XX | 36798477 | 318150-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 450 | XX | XX | XX | 36798478 | 318150-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 450 | XX | XX | XX | 36798479 | 318150-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 450 | XX | XX | XX | 36798480 | 318150-493-7040 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 450 | XX | XX | XX | 36798481 | 318150-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 451 | XX | XX | XX | 36798482 | 318154-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 451 | XX | XX | XX | 36798483 | 318154-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | Primary | Purchase | B | No | ||||||||||||
| 452 | XX | XX | XX | 36798484 | 318158-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 452 | XX | XX | XX | 36798485 | 318158-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 452 | XX | XX | XX | 36798486 | 318158-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 452 | XX | XX | XX | 36798487 | 318158-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 453 | XX | XX | XX | 36798488 | 318162-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 453 | XX | XX | XX | 36798489 | 318162-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 453 | XX | XX | XX | 36798490 | 318162-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 453 | XX | XX | XX | 36798491 | 318162-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 453 | XX | XX | XX | 36798492 | 318162-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 453 | XX | XX | XX | 36798493 | 318162-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 455 | XX | XX | XX | 36798495 | 318176-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 455 | XX | XX | XX | 36798496 | 318176-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 456 | XX | XX | XX | 36798497 | 318181-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 456 | XX | XX | XX | 36798499 | 318181-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 456 | XX | XX | XX | 36798500 | 318181-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 456 | XX | XX | XX | 36798501 | 318181-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 456 | XX | XX | XX | 36798502 | 318181-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 456 | XX | XX | XX | 36798503 | 318181-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 456 | XX | XX | XX | 36798504 | 318181-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 457 | XX | XX | XX | 36798506 | 318186-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 457 | XX | XX | XX | 36798507 | 318186-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 457 | XX | XX | XX | 36798508 | 318186-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,246,940.60 is underdisclosed from calculated Finance Charge of $1,248,597.20 in the amount of $1,656.60. | TIL itemization did not disclose the Escrow service fee of $1946.62 as a prepaid finance charge. | 2 | B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 459 | XX | XX | XX | 36798511 | 318191-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. | 3 | D | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798512 | 318191-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798513 | 318191-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798514 | 318191-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798515 | 318191-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798516 | 318191-493-21705 | 11/02/2017 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | Note grace period of 10 days is less than 15 day minimum per state of NY. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | |||||||||||
| 459 | XX | XX | XX | 36798517 | 318191-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 459 | XX | XX | XX | 36798518 | 318191-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 459 | XX | XX | XX | 36798520 | 318191-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | |||||||||||||
| 459 | XX | XX | XX | 36798521 | 318191-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | |||||||||||||
| 459 | XX | XX | XX | 36798522 | 318191-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798523 | 318191-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 459 | XX | XX | XX | 36798524 | 318191-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 460 | XX | XX | XX | 36798525 | 318201-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 461 | XX | XX | XX | 36798527 | 318202-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 461 | XX | XX | XX | 36798528 | 318202-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 461 | XX | XX | XX | 36798529 | 318202-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 461 | XX | XX | XX | 36798530 | 318202-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 463 | XX | XX | XX | 36798531 | 318204-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 463 | XX | XX | XX | 36798532 | 318204-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 463 | XX | XX | XX | 36798533 | 318204-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 463 | XX | XX | XX | 36798534 | 318204-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 463 | XX | XX | XX | 36798535 | 318204-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 463 | XX | XX | XX | 36798536 | 318204-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 464 | XX | XX | XX | 36798537 | 318206-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 464 | XX | XX | XX | 36798538 | 318206-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 465 | XX | XX | XX | 36798539 | 318214-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | DE | Primary | Purchase | B | No | |||||||||||||
| 465 | XX | XX | XX | 36798540 | 318214-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | DE | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 465 | XX | XX | XX | 36798541 | 318214-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | DE | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 465 | XX | XX | XX | 36798542 | 318214-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 465 | XX | XX | XX | 36798543 | 318214-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DE | Primary | Purchase | B | No | |||||||||||||
| 466 | XX | XX | XX | 36798544 | 318215-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 467 | XX | XX | XX | 36798545 | 318219-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 467 | XX | XX | XX | 36798546 | 318219-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 468 | XX | XX | XX | 36798548 | 318220-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 468 | XX | XX | XX | 36798549 | 318220-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 468 | XX | XX | XX | 36798550 | 318220-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 468 | XX | XX | XX | 36798551 | 318220-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 468 | XX | XX | XX | 36798552 | 318220-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 468 | XX | XX | XX | 36798554 | 318220-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 468 | XX | XX | XX | 36798555 | 318220-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 468 | XX | XX | XX | 36798556 | 318220-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 469 | XX | XX | XX | 36798558 | 318221-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2008. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 470 | XX | XX | XX | 36798559 | 318224-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 470 | XX | XX | XX | 36798560 | 318224-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 470 | XX | XX | XX | 36798561 | 318224-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 470 | XX | XX | XX | 36798562 | 318224-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 470 | XX | XX | XX | 36798563 | 318224-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 471 | XX | XX | XX | 36798564 | 318225-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $765,249.40 is underdisclosed from calculated Finance Charge of $765,289.36 in the amount of $39.96. | TIL itemization did not disclose an assignment recording fee of $40 as prepaid finance charge. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 472 | XX | XX | XX | 36798565 | 318226-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Limited Cash-out GSE | B | No | ||||||||||||
| 473 | XX | XX | XX | 36798567 | 318229-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 473 | XX | XX | XX | 36798568 | 318229-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 473 | XX | XX | XX | 36798569 | 318229-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 473 | XX | XX | XX | 36798570 | 318229-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 473 | XX | XX | XX | 36798571 | 318229-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 473 | XX | XX | XX | 36798572 | 318229-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 474 | XX | XX | XX | 36798573 | 318239-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | MD | Investment | Purchase | B | No | ||||||||||||
| 475 | XX | XX | XX | 36798575 | 318240-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL in file appears to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 475 | XX | XX | XX | 36798577 | 318240-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 475 | XX | XX | XX | 36798578 | 318240-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 475 | XX | XX | XX | 36798579 | 318240-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 475 | XX | XX | XX | 36798580 | 318240-493-7040 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 475 | XX | XX | XX | 36798581 | 318240-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 476 | XX | XX | XX | 36798584 | 318242-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Purchase | D | No | |||||||||||||
| 476 | XX | XX | XX | 36798585 | 318242-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | D | No | |||||||||||||
| 476 | XX | XX | XX | 36798586 | 318242-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 476 | XX | XX | XX | 36798587 | 318242-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 476 | XX | XX | XX | 36798588 | 318242-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 476 | XX | XX | XX | 36798589 | 318242-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MD | Primary | Purchase | D | No | ||||||||||||
| 478 | XX | XX | XX | 36798592 | 318251-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 478 | XX | XX | XX | 36798593 | 318251-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 478 | XX | XX | XX | 36798594 | 318251-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 478 | XX | XX | XX | 36798595 | 318251-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 479 | XX | XX | XX | 36798596 | 318257-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 479 | XX | XX | XX | 36798597 | 318257-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 480 | XX | XX | XX | 36798599 | 318259-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | |||||||||||||
| 480 | XX | XX | XX | 36798600 | 318259-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 480 | XX | XX | XX | 36798601 | 318259-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 480 | XX | XX | XX | 36798602 | 318259-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 480 | XX | XX | XX | 36798603 | 318259-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 480 | XX | XX | XX | 36798604 | 318259-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 480 | XX | XX | XX | 36798605 | 318259-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 480 | XX | XX | XX | 36798606 | 318259-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 480 | XX | XX | XX | 36798607 | 318259-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | ||||||||||||
| 480 | XX | XX | XX | 36798608 | 318259-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - UTD | D | No | |||||||||||||
| 482 | XX | XX | XX | 36798609 | 318261-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | WV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 482 | XX | XX | XX | 36798610 | 318261-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007. | 2 | B | XX | WV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 483 | XX | XX | XX | 36798611 | 318263-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 483 | XX | XX | XX | 36798612 | 318263-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 483 | XX | XX | XX | 36798613 | 318263-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 484 | XX | XX | XX | 36798614 | 318268-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 484 | XX | XX | XX | 36798615 | 318268-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 484 | XX | XX | XX | 36798616 | 318268-493-20172 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 484 | XX | XX | XX | 36798617 | 318268-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 484 | XX | XX | XX | 36798618 | 318268-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 485 | XX | XX | XX | 36798619 | 318270-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 485 | XX | XX | XX | 36798620 | 318270-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 485 | XX | XX | XX | 36798621 | 318270-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 485 | XX | XX | XX | 36798623 | 318270-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 486 | XX | XX | XX | 36798624 | 318272-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 487 | XX | XX | XX | 36798626 | 318275-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 487 | XX | XX | XX | 36798627 | 318275-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 487 | XX | XX | XX | 36798628 | 318275-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 487 | XX | XX | XX | 36798629 | 318275-493-7039 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 488 | XX | XX | XX | 36798630 | 318277-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 489 | XX | XX | XX | 36798631 | 318278-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 489 | XX | XX | XX | 36798632 | 318278-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 489 | XX | XX | XX | 36798633 | 318278-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 489 | XX | XX | XX | 36798634 | 318278-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 490 | XX | XX | XX | 36798635 | 318286-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 490 | XX | XX | XX | 36798636 | 318286-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 490 | XX | XX | XX | 36798637 | 318286-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 491 | XX | XX | XX | 36798638 | 318297-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 491 | XX | XX | XX | 36798639 | 318297-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 491 | XX | XX | XX | 36798640 | 318297-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 491 | XX | XX | XX | 36798643 | 318297-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 492 | XX | XX | XX | 36798645 | 318298-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 493 | XX | XX | XX | 36798646 | 318299-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 494 | XX | XX | XX | 36798647 | 318301-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 494 | XX | XX | XX | 36798648 | 318301-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 494 | XX | XX | XX | 36798649 | 318301-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 495 | XX | XX | XX | 36798651 | 318303-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 495 | XX | XX | XX | 36798652 | 318303-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 495 | XX | XX | XX | 36798653 | 318303-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 495 | XX | XX | XX | 36798654 | 318303-493-6306 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 496 | XX | XX | XX | 36798655 | 318306-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,967.21 is underdisclosed from calculated Finance Charge of $178,354.11 in the amount of $386.90. | Itemization did not include $210 Attorney Fee, $10 Flood Cert and $200 Lock Deposit Fee in the prepaid finance charges. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 496 | XX | XX | XX | 36798657 | 318306-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 496 | XX | XX | XX | 36798658 | 318306-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 497 | XX | XX | XX | 36798659 | 318307-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 498 | XX | XX | XX | 36798661 | 318311-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 499 | XX | XX | XX | 36798662 | 318312-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 499 | XX | XX | XX | 36798663 | 318312-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 500 | XX | XX | XX | 36798664 | 318315-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 500 | XX | XX | XX | 36798665 | 318315-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 500 | XX | XX | XX | 36798666 | 318315-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 500 | XX | XX | XX | 36798667 | 318315-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 500 | XX | XX | XX | 36798668 | 318315-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 501 | XX | XX | XX | 36798669 | 318318-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B | No | ||||||||||||
| 501 | XX | XX | XX | 36798670 | 318318-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B | No | ||||||||||||
| 501 | XX | XX | XX | 36798671 | 318318-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B | No | ||||||||||||
| 501 | XX | XX | XX | 36798672 | 318318-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,231,519.32 is underdisclosed from calculated Finance Charge of $1,231,637.84 in the amount of $118.52. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 502 | XX | XX | XX | 36798674 | 318321-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 502 | XX | XX | XX | 36798675 | 318321-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 502 | XX | XX | XX | 36798676 | 318321-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 502 | XX | XX | XX | 36798677 | 318321-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 502 | XX | XX | XX | 36798678 | 318321-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 502 | XX | XX | XX | 36798679 | 318321-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $144,137.60 is underdisclosed from calculated Finance Charge of $144,690.38 in the amount of $552.78. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | No | ||||||||||
| 503 | XX | XX | XX | 36798681 | 318322-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 503 | XX | XX | XX | 36798682 | 318322-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 503 | XX | XX | XX | 36798683 | 318322-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 503 | XX | XX | XX | 36798685 | 318322-493-7039 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 503 | XX | XX | XX | 36798686 | 318322-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 504 | XX | XX | XX | 36798691 | 318325-493-6580 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 504 | XX | XX | XX | 36798692 | 318325-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2009. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 504 | XX | XX | XX | 36798693 | 318325-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $79,151.59 is underdisclosed from calculated Finance Charge of $79,494.04 in the amount of $342.45. | TIL itemization did not disclose a settlement fee or $275 and a courier fee of $45. | 2 | B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 505 | XX | XX | XX | 36798694 | 318327-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 505 | XX | XX | XX | 36798695 | 318327-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 506 | XX | XX | XX | 36798696 | 318332-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | KY | Primary | Purchase | B | No | ||||||||||||
| 507 | XX | XX | XX | 36798697 | 318336-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 507 | XX | XX | XX | 36798698 | 318336-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 507 | XX | XX | XX | 36798699 | 318336-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 507 | XX | XX | XX | 36798700 | 318336-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 507 | XX | XX | XX | 36798701 | 318336-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 508 | XX | XX | XX | 36798702 | 318337-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 508 | XX | XX | XX | 36798703 | 318337-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Purchase | B | No | ||||||||||||
| 510 | XX | XX | XX | 36798705 | 318340-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 510 | XX | XX | XX | 36798706 | 318340-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 511 | XX | XX | XX | 36798707 | 318341-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 511 | XX | XX | XX | 36798708 | 318341-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 511 | XX | XX | XX | 36798709 | 318341-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 511 | XX | XX | XX | 36798710 | 318341-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | IN | Primary | Purchase | B | No | ||||||||||||
| 511 | XX | XX | XX | 36798711 | 318341-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 511 | XX | XX | XX | 36798712 | 318341-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | IN | Primary | Purchase | B | No | |||||||||||||
| 512 | XX | XX | XX | 36798714 | 318347-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 512 | XX | XX | XX | 36798715 | 318347-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 512 | XX | XX | XX | 36798716 | 318347-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 512 | XX | XX | XX | 36798717 | 318347-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 512 | XX | XX | XX | 36798718 | 318347-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 512 | XX | XX | XX | 36798719 | 318347-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 512 | XX | XX | XX | 36798720 | 318347-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 513 | XX | XX | XX | 36798721 | 318349-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 513 | XX | XX | XX | 36798722 | 318349-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 513 | XX | XX | XX | 36798723 | 318349-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 513 | XX | XX | XX | 36798724 | 318349-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 513 | XX | XX | XX | 36798725 | 318349-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 513 | XX | XX | XX | 36798726 | 318349-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 513 | XX | XX | XX | 36798727 | 318349-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 513 | XX | XX | XX | 36798728 | 318349-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 513 | XX | XX | XX | 36798729 | 318349-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 513 | XX | XX | XX | 36798730 | 318349-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 514 | XX | XX | XX | 36798732 | 318351-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 514 | XX | XX | XX | 36798733 | 318351-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 514 | XX | XX | XX | 36798735 | 318351-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 514 | XX | XX | XX | 36798736 | 318351-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 514 | XX | XX | XX | 36798737 | 318351-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 514 | XX | XX | XX | 36798738 | 318351-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 514 | XX | XX | XX | 36798739 | 318351-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 514 | XX | XX | XX | 36798740 | 318351-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 515 | XX | XX | XX | 36798741 | 318353-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 515 | XX | XX | XX | 36798742 | 318353-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 516 | XX | XX | XX | 36798743 | 318355-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 516 | XX | XX | XX | 36798744 | 318355-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 516 | XX | XX | XX | 36798746 | 318355-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 516 | XX | XX | XX | 36798747 | 318355-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 516 | XX | XX | XX | 36798748 | 318355-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 517 | XX | XX | XX | 36798749 | 318356-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 517 | XX | XX | XX | 36798750 | 318356-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | IA | Primary | Purchase | B | No | |||||||||||||
| 517 | XX | XX | XX | 36798751 | 318356-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 517 | XX | XX | XX | 36798752 | 318356-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $119,536.35 is underdisclosed from calculated Finance Charge of $120,120.81 in the amount of $584.46. | Under disclosure caused by the payment calculation and Broker Fee $XX not included in the amount financed. The under disclosure is reduced by an over disclosure of Closing fee $300 and Lender Doc prep fee $250.00 not charged on the HUD. | 2 | B | XX | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 518 | XX | XX | XX | 36798754 | 318358-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 518 | XX | XX | XX | 36798755 | 318358-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 518 | XX | XX | XX | 36798756 | 318358-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IA | Primary | Purchase | B | No | ||||||||||||
| 519 | XX | XX | XX | 36798757 | 318360-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | WI | Primary | Purchase | B | No | |||||||||||||
| 519 | XX | XX | XX | 36798759 | 318360-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 519 | XX | XX | XX | 36798760 | 318360-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 521 | XX | XX | XX | 36798762 | 318363-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 521 | XX | XX | XX | 36798763 | 318363-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 521 | XX | XX | XX | 36798764 | 318363-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 522 | XX | XX | XX | 36798765 | 318365-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 522 | XX | XX | XX | 36798766 | 318365-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 522 | XX | XX | XX | 36798767 | 318365-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $92,319.89 is underdisclosed from calculated Finance Charge of $92,910.76 in the amount of $590.87. | TIL Itemization did not disclose a processing fee in the amount of $250, an Application fee of $XX, a Courier fee of 15 and a Doc Service Fee of $25 as prepaid finance charges. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 524 | XX | XX | XX | 36798768 | 318371-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 525 | XX | XX | XX | 36798770 | 318373-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 525 | XX | XX | XX | 36798771 | 318373-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 525 | XX | XX | XX | 36798772 | 318373-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 526 | XX | XX | XX | 36798773 | 318375-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 526 | XX | XX | XX | 36798774 | 318375-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 526 | XX | XX | XX | 36798775 | 318375-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MO | Primary | Purchase | B | No | |||||||||||||
| 527 | XX | XX | XX | 36798778 | 318378-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | Primary | Purchase | B | No | |||||||||||||
| 527 | XX | XX | XX | 36798779 | 318378-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 527 | XX | XX | XX | 36798780 | 318378-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 527 | XX | XX | XX | 36798781 | 318378-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | Primary | Purchase | B | No | ||||||||||||
| 528 | XX | XX | XX | 36798783 | 318383-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 528 | XX | XX | XX | 36798784 | 318383-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 528 | XX | XX | XX | 36798785 | 318383-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 528 | XX | XX | XX | 36798786 | 318383-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 528 | XX | XX | XX | 36798787 | 318383-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 528 | XX | XX | XX | 36798788 | 318383-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 528 | XX | XX | XX | 36798789 | 318383-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 529 | XX | XX | XX | 36798790 | 318388-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 529 | XX | XX | XX | 36798791 | 318388-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 529 | XX | XX | XX | 36798792 | 318388-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $94,345.68 is underdisclosed from calculated Finance Charge of $94,581.11 in the amount of $235.43. | TIL itemization did not disclose a closing protection letter fee of $25 and a recording service fee of $335 as prepaid finance charges. | 2 | B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 531 | XX | XX | XX | 36798793 | 318390-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 532 | XX | XX | XX | 36798795 | 318391-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 532 | XX | XX | XX | 36798796 | 318391-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AR | Primary | Purchase | B | No | ||||||||||||
| 533 | XX | XX | XX | 36798799 | 318392-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | AR | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 533 | XX | XX | XX | 36798800 | 318392-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AR | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 534 | XX | XX | XX | 36798801 | 318393-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 534 | XX | XX | XX | 36798802 | 318393-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $231,026.60 is underdisclosed from calculated Finance Charge of $231,146.82 in the amount of $120.22. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 534 | XX | XX | XX | 36798803 | 318393-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 535 | XX | XX | XX | 36798804 | 318395-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 535 | XX | XX | XX | 36798805 | 318395-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 535 | XX | XX | XX | 36798806 | 318395-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | 2 | B | XX | OK | Primary | Purchase | B | No | ||||||||||||
| 536 | XX | XX | XX | 36798809 | 318397-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | |||||||||||||
| 536 | XX | XX | XX | 36798810 | 318397-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | |||||||||||||
| 536 | XX | XX | XX | 36798811 | 318397-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. | 3 | D | XX | OK | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 536 | XX | XX | XX | 36798812 | 318397-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 536 | XX | XX | XX | 36798813 | 318397-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 536 | XX | XX | XX | 36798814 | 318397-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 536 | XX | XX | XX | 36798815 | 318397-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 536 | XX | XX | XX | 36798816 | 318397-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 536 | XX | XX | XX | 36798817 | 318397-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OK | UTD | Refinance - Cash-out - Other | D | No | ||||||||||||
| 537 | XX | XX | XX | 36798819 | 318402-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1999 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 537 | XX | XX | XX | 36798820 | 318402-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 537 | XX | XX | XX | 36798821 | 318402-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 537 | XX | XX | XX | 36798822 | 318402-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 537 | XX | XX | XX | 36798823 | 318402-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 537 | XX | XX | XX | 36798824 | 318402-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 537 | XX | XX | XX | 36798825 | 318402-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 537 | XX | XX | XX | 36798826 | 318402-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 538 | XX | XX | XX | 36798828 | 318406-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 538 | XX | XX | XX | 36798829 | 318406-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 538 | XX | XX | XX | 36798830 | 318406-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 538 | XX | XX | XX | 36798831 | 318406-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | UTD | Purchase | D | No | ||||||||||||
| 538 | XX | XX | XX | 36798832 | 318406-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 538 | XX | XX | XX | 36798833 | 318406-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 538 | XX | XX | XX | 36798834 | 318406-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | TX | UTD | Purchase | D | No | |||||||||||||
| 539 | XX | XX | XX | 36798835 | 318411-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 539 | XX | XX | XX | 36798836 | 318411-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 539 | XX | XX | XX | 36798837 | 318411-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 540 | XX | XX | XX | 36798838 | 318413-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 540 | XX | XX | XX | 36798839 | 318413-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $60,177.44 is underdisclosed from calculated Finance Charge of $60,301.61 in the amount of $124.17. | Finance charges are under disclosed due to Settlement Fee of $275.00. Per the Itemization, Settlement or Closing fee was $125.00. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 540 | XX | XX | XX | 36798840 | 318413-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 541 | XX | XX | XX | 36798841 | 318415-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 541 | XX | XX | XX | 36798842 | 318415-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 541 | XX | XX | XX | 36798843 | 318415-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 541 | XX | XX | XX | 36798844 | 318415-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $39,158.97 is underdisclosed from calculated Finance Charge of $39,535.48 in the amount of $376.51. | Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 541 | XX | XX | XX | 36798845 | 318415-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 542 | XX | XX | XX | 36798848 | 318418-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | Missing Initial TIL | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 542 | XX | XX | XX | 36798849 | 318418-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 543 | XX | XX | XX | 36798850 | 318424-493-6577 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | TX | Second Home | Construction-Permanent | D | No | ||||||||||||
| 544 | XX | XX | XX | 36798854 | 318426-493-6580 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 545 | XX | XX | XX | 36798856 | 318433-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | CO | Primary | Purchase | B | No | ||||||||||||
| 545 | XX | XX | XX | 36798857 | 318433-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CO | Primary | Purchase | B | No | ||||||||||||
| 546 | XX | XX | XX | 36798858 | 318438-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 546 | XX | XX | XX | 36798859 | 318438-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 547 | XX | XX | XX | 36798861 | 318440-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 547 | XX | XX | XX | 36798862 | 318440-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 547 | XX | XX | XX | 36798863 | 318440-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 547 | XX | XX | XX | 36798864 | 318440-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 547 | XX | XX | XX | 36798865 | 318440-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 547 | XX | XX | XX | 36798866 | 318440-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 548 | XX | XX | XX | 36798867 | 318447-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NM | Primary | Purchase | B | No | ||||||||||||
| 548 | XX | XX | XX | 36798868 | 318447-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NM | Primary | Purchase | B | No | ||||||||||||
| 549 | XX | XX | XX | 36798869 | 318453-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 550 | XX | XX | XX | 36798870 | 318454-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 550 | XX | XX | XX | 36798871 | 318454-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 550 | XX | XX | XX | 36798872 | 318454-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 550 | XX | XX | XX | 36798873 | 318454-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 550 | XX | XX | XX | 36798874 | 318454-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 550 | XX | XX | XX | 36798875 | 318454-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 550 | XX | XX | XX | 36798876 | 318454-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 550 | XX | XX | XX | 36798878 | 318454-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,363,862.93 is underdisclosed from calculated Finance Charge of $1,364,061.04 in the amount of $198.11. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 551 | XX | XX | XX | 36798880 | 318455-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 551 | XX | XX | XX | 36798881 | 318455-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 552 | XX | XX | XX | 36798883 | 318456-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NV | Primary | Purchase | B | No | |||||||||||||
| 552 | XX | XX | XX | 36798884 | 318456-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NV | Primary | Purchase | B | No | |||||||||||||
| 552 | XX | XX | XX | 36798885 | 318456-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NV | Primary | Purchase | B | No | |||||||||||||
| 552 | XX | XX | XX | 36798886 | 318456-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 552 | XX | XX | XX | 36798887 | 318456-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 552 | XX | XX | XX | 36798888 | 318456-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 553 | XX | XX | XX | 36798890 | 318459-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 553 | XX | XX | XX | 36798891 | 318459-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 553 | XX | XX | XX | 36798892 | 318459-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 553 | XX | XX | XX | 36798893 | 318459-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 553 | XX | XX | XX | 36798894 | 318459-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 553 | XX | XX | XX | 36798895 | 318459-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 553 | XX | XX | XX | 36798897 | 318459-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 553 | XX | XX | XX | 36798898 | 318459-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 553 | XX | XX | XX | 36798900 | 318459-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 554 | XX | XX | XX | 36798902 | 318461-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 554 | XX | XX | XX | 36798903 | 318461-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 554 | XX | XX | XX | 36798904 | 318461-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 554 | XX | XX | XX | 36798905 | 318461-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 554 | XX | XX | XX | 36798906 | 318461-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 554 | XX | XX | XX | 36798907 | 318461-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 554 | XX | XX | XX | 36798908 | 318461-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 554 | XX | XX | XX | 36798909 | 318461-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 555 | XX | XX | XX | 36798912 | 318462-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 555 | XX | XX | XX | 36798913 | 318462-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 555 | XX | XX | XX | 36798914 | 318462-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 555 | XX | XX | XX | 36798915 | 318462-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 556 | XX | XX | XX | 36798917 | 318465-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Purchase | D | No | |||||||||||||
| 557 | XX | XX | XX | 36798918 | 318469-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 557 | XX | XX | XX | 36798919 | 318469-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 558 | XX | XX | XX | 36798920 | 318473-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 558 | XX | XX | XX | 36798921 | 318473-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 558 | XX | XX | XX | 36798922 | 318473-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $340,384.47 is underdisclosed from calculated Finance Charge of $340,580.00 in the amount of $195.53. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 559 | XX | XX | XX | 36798924 | 318484-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 559 | XX | XX | XX | 36798925 | 318484-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 559 | XX | XX | XX | 36798926 | 318484-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 559 | XX | XX | XX | 36798927 | 318484-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 559 | XX | XX | XX | 36798928 | 318484-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 559 | XX | XX | XX | 36798930 | 318484-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 559 | XX | XX | XX | 36798931 | 318484-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 560 | XX | XX | XX | 36798932 | 318490-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Investment | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 561 | XX | XX | XX | 36798933 | 318492-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 561 | XX | XX | XX | 36798935 | 318492-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 561 | XX | XX | XX | 36798936 | 318492-493-6306 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 562 | XX | XX | XX | 36798938 | 318494-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 562 | XX | XX | XX | 36798939 | 318494-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 563 | XX | XX | XX | 36798940 | 318497-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 563 | XX | XX | XX | 36798941 | 318497-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 563 | XX | XX | XX | 36798942 | 318497-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 564 | XX | XX | XX | 36798944 | 318499-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 564 | XX | XX | XX | 36798945 | 318499-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 564 | XX | XX | XX | 36798946 | 318499-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 564 | XX | XX | XX | 36798947 | 318499-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $564,948.59 is underdisclosed from calculated Finance Charge of $586,054.98 in the amount of $21,106.39. | Closing instructions indicate the Index used was 2.935%. The lowest Index available within the look-back period is 3.08%. | 2 | B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 565 | XX | XX | XX | 36798950 | 318502-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 565 | XX | XX | XX | 36798951 | 318502-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 565 | XX | XX | XX | 36798952 | 318502-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 565 | XX | XX | XX | 36798953 | 318502-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 565 | XX | XX | XX | 36798954 | 318502-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 565 | XX | XX | XX | 36798955 | 318502-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 565 | XX | XX | XX | 36798956 | 318502-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 565 | XX | XX | XX | 36798957 | 318502-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 565 | XX | XX | XX | 36798958 | 318502-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 566 | XX | XX | XX | 36798961 | 318503-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 566 | XX | XX | XX | 36798962 | 318503-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 566 | XX | XX | XX | 36798963 | 318503-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 566 | XX | XX | XX | 36798964 | 318503-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 566 | XX | XX | XX | 36798965 | 318503-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 566 | XX | XX | XX | 36798966 | 318503-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 566 | XX | XX | XX | 36798967 | 318503-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 566 | XX | XX | XX | 36798968 | 318503-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 566 | XX | XX | XX | 36798969 | 318503-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 567 | XX | XX | XX | 36798970 | 318504-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 567 | XX | XX | XX | 36798971 | 318504-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 567 | XX | XX | XX | 36798972 | 318504-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 567 | XX | XX | XX | 36798973 | 318504-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 568 | XX | XX | XX | 36798974 | 318506-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 568 | XX | XX | XX | 36798975 | 318506-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 568 | XX | XX | XX | 36798976 | 318506-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 568 | XX | XX | XX | 36798977 | 318506-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,400,210.50 is underdisclosed from calculated Finance Charge of $1,400,846.55 in the amount of $636.05. | Under disclosure is due to the TIL itemization only disclosing prepaid interest in the amount of $156 (1 day) however the loan funded on 10/25 which is 7 days of interest. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 569 | XX | XX | XX | 36798979 | 318508-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 569 | XX | XX | XX | 36798980 | 318508-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 569 | XX | XX | XX | 36798981 | 318508-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 569 | XX | XX | XX | 36798982 | 318508-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 569 | XX | XX | XX | 36798983 | 318508-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 569 | XX | XX | XX | 36798984 | 318508-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 569 | XX | XX | XX | 36798985 | 318508-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 569 | XX | XX | XX | 36798986 | 318508-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 570 | XX | XX | XX | 36798987 | 318509-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 570 | XX | XX | XX | 36798988 | 318509-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 570 | XX | XX | XX | 36798989 | 318509-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 570 | XX | XX | XX | 36798990 | 318509-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 570 | XX | XX | XX | 36798991 | 318509-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 571 | XX | XX | XX | 36798994 | 318510-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 571 | XX | XX | XX | 36798995 | 318510-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 571 | XX | XX | XX | 36798996 | 318510-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 571 | XX | XX | XX | 36798997 | 318510-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 572 | XX | XX | XX | 36798998 | 318511-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 572 | XX | XX | XX | 36798999 | 318511-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 573 | XX | XX | XX | 36799001 | 318512-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 573 | XX | XX | XX | 36799002 | 318512-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 573 | XX | XX | XX | 36799003 | 318512-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 573 | XX | XX | XX | 36799004 | 318512-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 573 | XX | XX | XX | 36799005 | 318512-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 573 | XX | XX | XX | 36799006 | 318512-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 573 | XX | XX | XX | 36799007 | 318512-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 573 | XX | XX | XX | 36799009 | 318512-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 574 | XX | XX | XX | 36799010 | 318517-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 574 | XX | XX | XX | 36799011 | 318517-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 574 | XX | XX | XX | 36799012 | 318517-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 575 | XX | XX | XX | 36799015 | 318518-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 575 | XX | XX | XX | 36799016 | 318518-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799017 | 318518-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | |||||||||||||
| 575 | XX | XX | XX | 36799018 | 318518-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799019 | 318518-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799020 | 318518-493-20171 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799021 | 318518-493-20172 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799022 | 318518-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | B | No | ||||||||||||
| 575 | XX | XX | XX | 36799023 | 318518-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 575 | XX | XX | XX | 36799024 | 318518-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 576 | XX | XX | XX | 36799026 | 318522-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 576 | XX | XX | XX | 36799027 | 318522-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 576 | XX | XX | XX | 36799028 | 318522-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $331,434.92 is underdisclosed from calculated Finance Charge of $331,967.12 in the amount of $532.20. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 576 | XX | XX | XX | 36799029 | 318522-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 576 | XX | XX | XX | 36799030 | 318522-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 577 | XX | XX | XX | 36799032 | 318525-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 578 | XX | XX | XX | 36799034 | 318526-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | HI | Second Home | Refinance - Cash-out - Other | B | No | |||||||||||||
| 578 | XX | XX | XX | 36799035 | 318526-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | HI | Second Home | Refinance - Cash-out - Other | B | No | ||||||||||||
| 578 | XX | XX | XX | 36799036 | 318526-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. | 2 | B | XX | HI | Second Home | Refinance - Cash-out - Other | B | No | ||||||||||||
| 578 | XX | XX | XX | 36799037 | 318526-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | HI | Second Home | Refinance - Cash-out - Other | B | No | |||||||||||||
| 579 | XX | XX | XX | 36799038 | 318527-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 579 | XX | XX | XX | 36799039 | 318527-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 579 | XX | XX | XX | 36799040 | 318527-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 579 | XX | XX | XX | 36799041 | 318527-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 579 | XX | XX | XX | 36799042 | 318527-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 579 | XX | XX | XX | 36799043 | 318527-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 579 | XX | XX | XX | 36799044 | 318527-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 579 | XX | XX | XX | 36799046 | 318527-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 580 | XX | XX | XX | 36799047 | 318531-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 580 | XX | XX | XX | 36799048 | 318531-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 581 | XX | XX | XX | 36799050 | 318533-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 582 | XX | XX | XX | 36799051 | 318534-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 583 | XX | XX | XX | 36799054 | 318536-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 584 | XX | XX | XX | 36799056 | 318538-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 584 | XX | XX | XX | 36799057 | 318538-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | WA | Primary | Purchase | B | No | ||||||||||||
| 584 | XX | XX | XX | 36799058 | 318538-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | WA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 584 | XX | XX | XX | 36799059 | 318538-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WA | Primary | Purchase | B | No | |||||||||||||
| 991 | XX | XX | XX | 36800055 | 320358-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 992 | XX | XX | XX | 36800056 | 320362-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 993 | XX | XX | XX | 36800058 | 320363-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 994 | XX | XX | XX | 36800060 | 320370-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 994 | XX | XX | XX | 36800061 | 320370-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 994 | XX | XX | XX | 36800062 | 320370-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 994 | XX | XX | XX | 36800064 | 320370-510-7028 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 994 | XX | XX | XX | 36800065 | 320370-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 995 | XX | XX | XX | 36800068 | 320372-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 995 | XX | XX | XX | 36800069 | 320372-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 996 | XX | XX | XX | 36800071 | 320375-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 996 | XX | XX | XX | 36800072 | 320375-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 996 | XX | XX | XX | 36800073 | 320375-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 996 | XX | XX | XX | 36800074 | 320375-510-2666 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 997 | XX | XX | XX | 36800076 | 320377-510-22866 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 998 | XX | XX | XX | 36800077 | 320378-510-4087 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 999 | XX | XX | XX | 36800082 | 320380-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | SC | Primary | Purchase | B | No | |||||||||||||
| 999 | XX | XX | XX | 36800083 | 320380-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | Primary | Purchase | B | No | |||||||||||||
| 999 | XX | XX | XX | 36800087 | 320380-510-23038 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 999 | XX | XX | XX | 36800088 | 320380-510-2778 | 03/22/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 999 | XX | XX | XX | 36800091 | 320380-510-7027 | 04/10/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 1000 | XX | XX | XX | 36800093 | 320385-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1000 | XX | XX | XX | 36800094 | 320385-510-7042 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1001 | XX | XX | XX | 36800096 | 320389-510-3057 | 03/22/2018 | Compliance | Compliance | State Compliance | State Defect | (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements | PPP Expired. Prepayment charge not allowed per state of CO - Prepayment penalties in state are not allowed and note states prepayment at 6 Months interest with in the first 24 months. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1001 | XX | XX | XX | 36800097 | 320389-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1001 | XX | XX | XX | 36800098 | 320389-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1001 | XX | XX | XX | 36800103 | 320389-510-6301 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1001 | XX | XX | XX | 36800104 | 320389-510-6302 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1001 | XX | XX | XX | 36800105 | 320389-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1001 | XX | XX | XX | 36800107 | 320389-510-7027 | 04/11/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1002 | XX | XX | XX | 36800108 | 320394-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1002 | XX | XX | XX | 36800109 | 320394-510-2659 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $462,245.78 is underdisclosed from calculated Finance Charge of $462,553.52 in the amount of $307.74. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1003 | XX | XX | XX | 36800110 | 320395-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1003 | XX | XX | XX | 36800111 | 320395-510-6305 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1003 | XX | XX | XX | 36800112 | 320395-510-6306 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1004 | XX | XX | XX | 36800114 | 320397-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1004 | XX | XX | XX | 36800115 | 320397-510-6305 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1004 | XX | XX | XX | 36800116 | 320397-510-6306 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1005 | XX | XX | XX | 36800117 | 320398-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1005 | XX | XX | XX | 36800118 | 320398-510-3953 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1005 | XX | XX | XX | 36800120 | 320398-510-611 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1005 | XX | XX | XX | 36800121 | 320398-510-613 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1005 | XX | XX | XX | 36800122 | 320398-510-22050 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1006 | XX | XX | XX | 36800123 | 320399-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1006 | XX | XX | XX | 36800125 | 320399-510-18388 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Loan Package Documentation | High Cost Indicator Flag | Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. | Loan file contains a signed disclosure which is labeled "Truth-in-Lending Disclosure (For Section 32 Mortgages)". | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||
| 1007 | XX | XX | XX | 36800127 | 320400-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1007 | XX | XX | XX | 36800128 | 320400-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1007 | XX | XX | XX | 36800129 | 320400-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1007 | XX | XX | XX | 36800130 | 320400-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1007 | XX | XX | XX | 36800131 | 320400-510-3494 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1007 | XX | XX | XX | 36800133 | 320400-510-6576 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1007 | XX | XX | XX | 36800134 | 320400-510-3928 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1008 | XX | XX | XX | 36800136 | 320402-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1008 | XX | XX | XX | 36800137 | 320402-510-4088 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1008 | XX | XX | XX | 36800138 | 320402-510-3953 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1009 | XX | XX | XX | 36800139 | 320406-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1009 | XX | XX | XX | 36800142 | 320406-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1009 | XX | XX | XX | 36800144 | 320406-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1009 | XX | XX | XX | 36800146 | 320406-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1009 | XX | XX | XX | 36800148 | 320406-510-7027 | 04/10/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1009 | XX | XX | XX | 36800149 | 320406-510-3928 | 04/10/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1010 | XX | XX | XX | 36800151 | 320407-510-613 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 1010 | XX | XX | XX | 36800152 | 320407-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1010 | XX | XX | XX | 36800153 | 320407-510-4087 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 1011 | XX | XX | XX | 36800155 | 320408-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 924 | XX | XX | XX | 36800159 | 320122-509-22137 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 924 | XX | XX | XX | 36800160 | 320122-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 924 | XX | XX | XX | 36800161 | 320122-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 924 | XX | XX | XX | 36800162 | 320122-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 925 | XX | XX | XX | 36800163 | 320128-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 925 | XX | XX | XX | 36800164 | 320128-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 925 | XX | XX | XX | 36800165 | 320128-509-6306 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 925 | XX | XX | XX | 36800166 | 320128-509-22866 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 926 | XX | XX | XX | 36800168 | 320129-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 926 | XX | XX | XX | 36800169 | 320129-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 926 | XX | XX | XX | 36800170 | 320129-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 926 | XX | XX | XX | 36800171 | 320129-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 926 | XX | XX | XX | 36800172 | 320129-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 926 | XX | XX | XX | 36800173 | 320129-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 926 | XX | XX | XX | 36800174 | 320129-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 927 | XX | XX | XX | 36800176 | 320136-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 928 | XX | XX | XX | 36800179 | 320140-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 928 | XX | XX | XX | 36800180 | 320140-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 928 | XX | XX | XX | 36800181 | 320140-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 928 | XX | XX | XX | 36800182 | 320140-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 928 | XX | XX | XX | 36800183 | 320140-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 928 | XX | XX | XX | 36800184 | 320140-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 929 | XX | XX | XX | 36800187 | 320145-509-2684 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 929 | XX | XX | XX | 36800188 | 320145-509-3063 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 930 | XX | XX | XX | 36800190 | 320146-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 930 | XX | XX | XX | 36800191 | 320146-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 930 | XX | XX | XX | 36800192 | 320146-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 930 | XX | XX | XX | 36800193 | 320146-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 930 | XX | XX | XX | 36800194 | 320146-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 931 | XX | XX | XX | 36800195 | 320148-509-21706 | 04/17/2018 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5% | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||
| 931 | XX | XX | XX | 36800197 | 320148-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 932 | XX | XX | XX | 36800198 | 320150-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 932 | XX | XX | XX | 36800199 | 320150-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 932 | XX | XX | XX | 36800200 | 320150-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 932 | XX | XX | XX | 36800201 | 320150-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 932 | XX | XX | XX | 36800202 | 320150-509-22050 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 932 | XX | XX | XX | 36800203 | 320150-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 932 | XX | XX | XX | 36800204 | 320150-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 933 | XX | XX | XX | 36800205 | 320154-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. | 2 | B | XX | PA | Investment | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 934 | XX | XX | XX | 36800206 | 320157-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 934 | XX | XX | XX | 36800207 | 320157-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 934 | XX | XX | XX | 36800208 | 320157-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 935 | XX | XX | XX | 36800210 | 320158-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | D | No | |||||||||||||
| 935 | XX | XX | XX | 36800211 | 320158-509-6576 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 935 | XX | XX | XX | 36800212 | 320158-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 935 | XX | XX | XX | 36800213 | 320158-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 935 | XX | XX | XX | 36800214 | 320158-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 936 | XX | XX | XX | 36800216 | 320159-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 936 | XX | XX | XX | 36800217 | 320159-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 936 | XX | XX | XX | 36800218 | 320159-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 937 | XX | XX | XX | 36800223 | 320162-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 937 | XX | XX | XX | 36800224 | 320162-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 938 | XX | XX | XX | 36800226 | 320172-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 938 | XX | XX | XX | 36800227 | 320172-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 938 | XX | XX | XX | 36800228 | 320172-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | VA | Primary | Purchase | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800229 | 320173-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 939 | XX | XX | XX | 36800230 | 320173-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 939 | XX | XX | XX | 36800231 | 320173-509-6443 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.05431% or Final Disclosure APR of 5.06300% is in excess of allowable threshold of APOR 3.41% + 1.5%, or 4.91000%. Non-Compliant Higher Priced Mortgage Loan. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800232 | 320173-509-20701 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) | Federal Higher Priced Mortgage Loan: Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800233 | 320173-509-1153 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800234 | 320173-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2012. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800235 | 320173-509-6514 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800236 | 320173-509-5437 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800237 | 320173-509-6509 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800238 | 320173-509-2688 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800239 | 320173-509-3353 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 939 | XX | XX | XX | 36800240 | 320173-509-18362 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | An Initial Application was not provided. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 940 | XX | XX | XX | 36800242 | 320176-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 941 | XX | XX | XX | 36800243 | 320181-509-20171 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 941 | XX | XX | XX | 36800244 | 320181-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 941 | XX | XX | XX | 36800245 | 320181-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 943 | XX | XX | XX | 36800246 | 320184-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 943 | XX | XX | XX | 36800247 | 320184-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 943 | XX | XX | XX | 36800248 | 320184-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 943 | XX | XX | XX | 36800249 | 320184-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | SC | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 944 | XX | XX | XX | 36800252 | 320187-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 944 | XX | XX | XX | 36800253 | 320187-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 944 | XX | XX | XX | 36800254 | 320187-509-5010 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 945 | XX | XX | XX | 36800256 | 320189-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 945 | XX | XX | XX | 36800257 | 320189-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 945 | XX | XX | XX | 36800258 | 320189-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 945 | XX | XX | XX | 36800259 | 320189-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 946 | XX | XX | XX | 36800261 | 320193-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 946 | XX | XX | XX | 36800262 | 320193-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 946 | XX | XX | XX | 36800263 | 320193-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 946 | XX | XX | XX | 36800264 | 320193-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 946 | XX | XX | XX | 36800265 | 320193-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 946 | XX | XX | XX | 36800266 | 320193-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 947 | XX | XX | XX | 36800267 | 320196-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1997. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 947 | XX | XX | XX | 36800268 | 320196-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 947 | XX | XX | XX | 36800269 | 320196-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 947 | XX | XX | XX | 36800270 | 320196-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $260,483.25 is underdisclosed from calculated Finance Charge of $261,114.83 in the amount of $631.58. | Unable to determine under disclosure. Unable to use Seller credit of $5,600 on line 206 due to missing breakdown to apply credit. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 948 | XX | XX | XX | 36800271 | 320197-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 948 | XX | XX | XX | 36800272 | 320197-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800274 | 320198-509-20171 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800275 | 320198-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800276 | 320198-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800277 | 320198-509-22866 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800278 | 320198-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 949 | XX | XX | XX | 36800279 | 320198-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002. | 2 | B | XX | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 949 | XX | XX | XX | 36800280 | 320198-509-20174 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - UTD | B | No | ||||||||||||
| 950 | XX | XX | XX | 36800282 | 320201-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 950 | XX | XX | XX | 36800283 | 320201-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 950 | XX | XX | XX | 36800284 | 320201-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 951 | XX | XX | XX | 36800285 | 320202-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 951 | XX | XX | XX | 36800286 | 320202-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 952 | XX | XX | XX | 36800287 | 320205-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 953 | XX | XX | XX | 36800288 | 320210-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 955 | XX | XX | XX | 36800289 | 320215-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 956 | XX | XX | XX | 36800292 | 320217-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 956 | XX | XX | XX | 36800293 | 320217-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 956 | XX | XX | XX | 36800294 | 320217-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 956 | XX | XX | XX | 36800295 | 320217-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 957 | XX | XX | XX | 36800297 | 320218-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 957 | XX | XX | XX | 36800298 | 320218-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 957 | XX | XX | XX | 36800299 | 320218-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 957 | XX | XX | XX | 36800300 | 320218-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 957 | XX | XX | XX | 36800301 | 320218-509-22050 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 957 | XX | XX | XX | 36800302 | 320218-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 957 | XX | XX | XX | 36800303 | 320218-509-2647 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 958 | XX | XX | XX | 36800304 | 320222-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 958 | XX | XX | XX | 36800305 | 320222-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800306 | 320222-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800307 | 320222-509-2219 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Demand Feature) | Ohio Consumer Sales Practices Act: Mortgage loan contains an impermissible demand feature. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800308 | 320222-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $853,360.77 is underdisclosed from calculated Finance Charge of $853,679.65 in the amount of $318.88. | Verified all fees to itemization of amount financed, unable to determine reason for under disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 958 | XX | XX | XX | 36800309 | 320222-509-2210 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800310 | 320222-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800311 | 320222-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 958 | XX | XX | XX | 36800312 | 320222-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 959 | XX | XX | XX | 36800314 | 320224-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 959 | XX | XX | XX | 36800315 | 320224-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 959 | XX | XX | XX | 36800316 | 320224-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 960 | XX | XX | XX | 36800317 | 320231-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | IN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 960 | XX | XX | XX | 36800318 | 320231-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 961 | XX | XX | XX | 36800323 | 320235-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | IN | Primary | Refinance - Streamlined | B | No | |||||||||||||
| 961 | XX | XX | XX | 36800324 | 320235-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IN | Primary | Refinance - Streamlined | B | No | |||||||||||||
| 961 | XX | XX | XX | 36800325 | 320235-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | IN | Primary | Refinance - Streamlined | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 961 | XX | XX | XX | 36800326 | 320235-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | IN | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 961 | XX | XX | XX | 36800327 | 320235-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. | 2 | B | XX | IN | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800329 | 320239-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800330 | 320239-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800331 | 320239-509-1974 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800332 | 320239-509-1977 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800333 | 320239-509-6589 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 962 | XX | XX | XX | 36800334 | 320239-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 963 | XX | XX | XX | 36800335 | 320245-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WI | Primary | Purchase | B | No | ||||||||||||
| 966 | XX | XX | XX | 36800337 | 320248-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 967 | XX | XX | XX | 36800338 | 320265-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 967 | XX | XX | XX | 36800339 | 320265-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 967 | XX | XX | XX | 36800340 | 320265-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 968 | XX | XX | XX | 36800342 | 320268-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 968 | XX | XX | XX | 36800343 | 320268-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 968 | XX | XX | XX | 36800344 | 320268-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 970 | XX | XX | XX | 36800346 | 320279-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 970 | XX | XX | XX | 36800347 | 320279-509-6299 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 970 | XX | XX | XX | 36800348 | 320279-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 970 | XX | XX | XX | 36800349 | 320279-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 971 | XX | XX | XX | 36800351 | 320281-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 971 | XX | XX | XX | 36800352 | 320281-509-4087 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 971 | XX | XX | XX | 36800353 | 320281-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 971 | XX | XX | XX | 36800354 | 320281-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 972 | XX | XX | XX | 36800356 | 320284-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 973 | XX | XX | XX | 36800357 | 320287-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 973 | XX | XX | XX | 36800358 | 320287-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $641,603.33 is underdisclosed from calculated Finance Charge of $661,767.92 in the amount of $20,164.59. | Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.2306% | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 974 | XX | XX | XX | 36800359 | 320288-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 974 | XX | XX | XX | 36800360 | 320288-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 975 | XX | XX | XX | 36800362 | 320291-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 975 | XX | XX | XX | 36800363 | 320291-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 975 | XX | XX | XX | 36800364 | 320291-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 976 | XX | XX | XX | 36800366 | 320299-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 976 | XX | XX | XX | 36800367 | 320299-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 976 | XX | XX | XX | 36800368 | 320299-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 977 | XX | XX | XX | 36800369 | 320304-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 977 | XX | XX | XX | 36800370 | 320304-509-4087 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 977 | XX | XX | XX | 36800371 | 320304-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 977 | XX | XX | XX | 36800372 | 320304-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 978 | XX | XX | XX | 36800374 | 320318-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 978 | XX | XX | XX | 36800375 | 320318-509-6577 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 979 | XX | XX | XX | 36800376 | 320320-509-5791 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 980 | XX | XX | XX | 36800378 | 320321-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 980 | XX | XX | XX | 36800379 | 320321-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 980 | XX | XX | XX | 36800380 | 320321-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 980 | XX | XX | XX | 36800381 | 320321-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 980 | XX | XX | XX | 36800382 | 320321-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 980 | XX | XX | XX | 36800383 | 320321-509-5010 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 981 | XX | XX | XX | 36800385 | 320322-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 981 | XX | XX | XX | 36800386 | 320322-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 981 | XX | XX | XX | 36800387 | 320322-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 982 | XX | XX | XX | 36800388 | 320323-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 982 | XX | XX | XX | 36800389 | 320323-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 982 | XX | XX | XX | 36800390 | 320323-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 983 | XX | XX | XX | 36800392 | 320326-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 983 | XX | XX | XX | 36800393 | 320326-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 983 | XX | XX | XX | 36800394 | 320326-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 983 | XX | XX | XX | 36800395 | 320326-509-6579 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 983 | XX | XX | XX | 36800396 | 320326-509-7028 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 983 | XX | XX | XX | 36800397 | 320326-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 983 | XX | XX | XX | 36800398 | 320326-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 983 | XX | XX | XX | 36800399 | 320326-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 983 | XX | XX | XX | 36800400 | 320326-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 984 | XX | XX | XX | 36800401 | 320327-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 984 | XX | XX | XX | 36800402 | 320327-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 984 | XX | XX | XX | 36800403 | 320327-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 984 | XX | XX | XX | 36800404 | 320327-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 985 | XX | XX | XX | 36800406 | 320331-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | CA | Investment | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 986 | XX | XX | XX | 36800408 | 320332-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 987 | XX | XX | XX | 36800409 | 320345-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 988 | XX | XX | XX | 36800415 | 320346-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 988 | XX | XX | XX | 36800416 | 320346-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 988 | XX | XX | XX | 36800417 | 320346-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $110,511.37 is underdisclosed from calculated Finance Charge of $111,723.13 in the amount of $1,211.76. | The itemization included the $1,143.20 MIP refund to reduce the prepaid finance charges. The $50 government service fee was not included in the prepaid finance charges. | 2 | B | XX | OR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 989 | XX | XX | XX | 36800418 | 320348-509-5791 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 990 | XX | XX | XX | 36800419 | 320353-509-6577 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 990 | XX | XX | XX | 36800420 | 320353-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 990 | XX | XX | XX | 36800421 | 320353-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 990 | XX | XX | XX | 36800422 | 320353-509-6306 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 834 | XX | XX | XX | 36800425 | 319822-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 834 | XX | XX | XX | 36800426 | 319822-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 835 | XX | XX | XX | 36800428 | 319827-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 837 | XX | XX | XX | 36800429 | 319841-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $336,501.28 is underdisclosed from calculated Finance Charge of $336,547.73 in the amount of $46.45. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 838 | XX | XX | XX | 36800430 | 319846-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 838 | XX | XX | XX | 36800431 | 319846-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 838 | XX | XX | XX | 36800432 | 319846-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 839 | XX | XX | XX | 36800434 | 319851-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 839 | XX | XX | XX | 36800435 | 319851-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 840 | XX | XX | XX | 36800437 | 319852-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 840 | XX | XX | XX | 36800438 | 319852-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 840 | XX | XX | XX | 36800439 | 319852-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 840 | XX | XX | XX | 36800440 | 319852-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 841 | XX | XX | XX | 36800442 | 319856-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 841 | XX | XX | XX | 36800443 | 319856-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | B | No | |||||||||||||
| 841 | XX | XX | XX | 36800444 | 319856-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1990 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 842 | XX | XX | XX | 36800446 | 319864-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 842 | XX | XX | XX | 36800447 | 319864-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 842 | XX | XX | XX | 36800448 | 319864-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 842 | XX | XX | XX | 36800449 | 319864-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 842 | XX | XX | XX | 36800450 | 319864-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 842 | XX | XX | XX | 36800451 | 319864-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 842 | XX | XX | XX | 36800452 | 319864-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 842 | XX | XX | XX | 36800453 | 319864-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 842 | XX | XX | XX | 36800454 | 319864-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | |||||||||||||
| 843 | XX | XX | XX | 36800455 | 319866-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 845 | XX | XX | XX | 36800458 | 319871-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 846 | XX | XX | XX | 36800461 | 319874-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 846 | XX | XX | XX | 36800462 | 319874-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 846 | XX | XX | XX | 36800463 | 319874-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 846 | XX | XX | XX | 36800464 | 319874-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 846 | XX | XX | XX | 36800465 | 319874-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 846 | XX | XX | XX | 36800466 | 319874-500-6576 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 847 | XX | XX | XX | 36800469 | 319888-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800470 | 319888-500-2705 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800471 | 319888-500-2706 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800472 | 319888-500-2707 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800473 | 319888-500-2709 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800474 | 319888-500-2710 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800475 | 319888-500-2794 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual payment due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800476 | 319888-500-4561 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800477 | 319888-500-2713 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800478 | 319888-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800479 | 319888-500-3141 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800480 | 319888-500-7115 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | 2 | B | XX | DC | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | No | |||||||||||
| 847 | XX | XX | XX | 36800481 | 319888-500-2688 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800482 | 319888-500-3078 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 847 | XX | XX | XX | 36800483 | 319888-500-18362 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of application date. | 2 | B | XX | DC | Primary | Purchase | B | No | |||||||||||
| 847 | XX | XX | XX | 36800484 | 319888-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DC | Primary | Purchase | B | No | |||||||||||||
| 848 | XX | XX | XX | 36800485 | 319890-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 849 | XX | XX | XX | 36800487 | 319894-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 849 | XX | XX | XX | 36800489 | 319894-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 849 | XX | XX | XX | 36800490 | 319894-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 850 | XX | XX | XX | 36800491 | 319895-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 853 | XX | XX | XX | 36800494 | 319900-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 853 | XX | XX | XX | 36800495 | 319900-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 853 | XX | XX | XX | 36800496 | 319900-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 854 | XX | XX | XX | 36800497 | 319905-500-6299 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | 2 | B | XX | VA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 855 | XX | XX | XX | 36800499 | 319906-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 855 | XX | XX | XX | 36800500 | 319906-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 855 | XX | XX | XX | 36800501 | 319906-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1997 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 855 | XX | XX | XX | 36800502 | 319906-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 855 | XX | XX | XX | 36800503 | 319906-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1996. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 855 | XX | XX | XX | 36800504 | 319906-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 855 | XX | XX | XX | 36800505 | 319906-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 856 | XX | XX | XX | 36800507 | 319907-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 856 | XX | XX | XX | 36800508 | 319907-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 856 | XX | XX | XX | 36800509 | 319907-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 856 | XX | XX | XX | 36800510 | 319907-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 856 | XX | XX | XX | 36800511 | 319907-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 856 | XX | XX | XX | 36800512 | 319907-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 856 | XX | XX | XX | 36800513 | 319907-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 857 | XX | XX | XX | 36800515 | 319912-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 857 | XX | XX | XX | 36800516 | 319912-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $142,820.26 is underdisclosed from calculated Finance Charge of $143,015.32 in the amount of $195.06. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 858 | XX | XX | XX | 36800518 | 319913-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 858 | XX | XX | XX | 36800519 | 319913-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 858 | XX | XX | XX | 36800520 | 319913-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 858 | XX | XX | XX | 36800521 | 319913-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 859 | XX | XX | XX | 36800522 | 319916-500-710 | 04/16/2018 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Late charge of 6% exceeds (VA) State maximum of 5%. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 859 | XX | XX | XX | 36800524 | 319916-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 859 | XX | XX | XX | 36800525 | 319916-500-22279 | 04/16/2018 | Compliance | Compliance | State Compliance | State Late Charge | Virginia Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 6% exceeds state (VA) maximum of 5%. | 2 | B | XX | VA | Investment | Refinance - Cash-out - Other | B | No | |||||||||||
| 860 | XX | XX | XX | 36800526 | 319924-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 860 | XX | XX | XX | 36800528 | 319924-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 860 | XX | XX | XX | 36800529 | 319924-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,182.23 is underdisclosed from calculated Finance Charge of $152,404.90 in the amount of $222.67. | Under disclosure due to Email fee $75 not on itemization and Lender over estimated Settlement fee by $125 | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 861 | XX | XX | XX | 36800530 | 319925-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Investment | Purchase | B | No | |||||||||||||
| 861 | XX | XX | XX | 36800531 | 319925-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Investment | Purchase | B | No | ||||||||||||
| 863 | XX | XX | XX | 36800533 | 319929-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | SC | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 863 | XX | XX | XX | 36800534 | 319929-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | SC | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 864 | XX | XX | XX | 36800535 | 319931-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 864 | XX | XX | XX | 36800536 | 319931-500-2778 | 04/16/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 865 | XX | XX | XX | 36800539 | 319945-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | |||||||||||||
| 865 | XX | XX | XX | 36800540 | 319945-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | |||||||||||||
| 865 | XX | XX | XX | 36800541 | 319945-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 865 | XX | XX | XX | 36800542 | 319945-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 865 | XX | XX | XX | 36800543 | 319945-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 865 | XX | XX | XX | 36800544 | 319945-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 865 | XX | XX | XX | 36800545 | 319945-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Refinance - UTD | D | No | ||||||||||||
| 866 | XX | XX | XX | 36800547 | 319946-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 866 | XX | XX | XX | 36800548 | 319946-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 866 | XX | XX | XX | 36800549 | 319946-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 866 | XX | XX | XX | 36800550 | 319946-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 866 | XX | XX | XX | 36800551 | 319946-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 866 | XX | XX | XX | 36800552 | 319946-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 866 | XX | XX | XX | 36800553 | 319946-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | ||||||||||||
| 866 | XX | XX | XX | 36800554 | 319946-500-18330 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | UTD | Refinance - UTD | D | No | |||||||||||||
| 867 | XX | XX | XX | 36800555 | 319948-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 867 | XX | XX | XX | 36800556 | 319948-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 867 | XX | XX | XX | 36800557 | 319948-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 867 | XX | XX | XX | 36800558 | 319948-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 867 | XX | XX | XX | 36800559 | 319948-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 868 | XX | XX | XX | 36800562 | 319953-500-611 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 868 | XX | XX | XX | 36800563 | 319953-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 868 | XX | XX | XX | 36800564 | 319953-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 868 | XX | XX | XX | 36800565 | 319953-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $404,021.72 is underdisclosed from calculated Finance Charge of $404,233.69 in the amount of $211.97. | TIL itemization did not disclose service charges of $20.00, a tax service fee of $72.00, a courier fee of $70.00, a recording service charge of $15.00 and a wire fee of $35.00 as prepaid finance charges. | 2 | B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 868 | XX | XX | XX | 36800566 | 319953-500-23494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 869 | XX | XX | XX | 36800568 | 319954-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 869 | XX | XX | XX | 36800569 | 319954-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 869 | XX | XX | XX | 36800570 | 319954-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 869 | XX | XX | XX | 36800571 | 319954-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 869 | XX | XX | XX | 36800572 | 319954-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 869 | XX | XX | XX | 36800573 | 319954-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 869 | XX | XX | XX | 36800574 | 319954-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 869 | XX | XX | XX | 36800575 | 319954-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 870 | XX | XX | XX | 36800576 | 319960-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 871 | XX | XX | XX | 36800577 | 319962-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 873 | XX | XX | XX | 36800578 | 319969-500-5780 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 873 | XX | XX | XX | 36800580 | 319969-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 873 | XX | XX | XX | 36800581 | 319969-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 874 | XX | XX | XX | 36800582 | 319971-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 874 | XX | XX | XX | 36800583 | 319971-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 874 | XX | XX | XX | 36800584 | 319971-500-22050 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 874 | XX | XX | XX | 36800585 | 319971-500-2647 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 874 | XX | XX | XX | 36800586 | 319971-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 875 | XX | XX | XX | 36800589 | 319974-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 876 | XX | XX | XX | 36800591 | 319976-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $224,434.10 is underdisclosed from calculated Finance Charge of $224,965.13 in the amount of $531.03. | TIL itemization did not disclose a settlement fee of $489.00, a wire fee of $20.00, an assignment recording fee of $30.00 and a courier fee of $11.90 as prepaid finance charges. | 2 | B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 877 | XX | XX | XX | 36800593 | 319977-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 877 | XX | XX | XX | 36800594 | 319977-500-5780 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 878 | XX | XX | XX | 36800596 | 319979-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 878 | XX | XX | XX | 36800597 | 319979-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 878 | XX | XX | XX | 36800598 | 319979-500-1974 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 878 | XX | XX | XX | 36800599 | 319979-500-1977 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 878 | XX | XX | XX | 36800600 | 319979-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 878 | XX | XX | XX | 36800601 | 319979-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 878 | XX | XX | XX | 36800602 | 319979-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 879 | XX | XX | XX | 36800603 | 319980-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 879 | XX | XX | XX | 36800604 | 319980-500-1973 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 879 | XX | XX | XX | 36800605 | 319980-500-1976 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 879 | XX | XX | XX | 36800606 | 319980-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 879 | XX | XX | XX | 36800607 | 319980-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 879 | XX | XX | XX | 36800608 | 319980-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 880 | XX | XX | XX | 36800610 | 319981-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 880 | XX | XX | XX | 36800611 | 319981-500-1974 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 880 | XX | XX | XX | 36800612 | 319981-500-1977 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 880 | XX | XX | XX | 36800613 | 319981-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 880 | XX | XX | XX | 36800614 | 319981-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 880 | XX | XX | XX | 36800615 | 319981-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 881 | XX | XX | XX | 36800617 | 319983-500-20735 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. | 2 | B | XX | MN | Primary | Purchase | B | No | ||||||||||||
| 881 | XX | XX | XX | 36800618 | 319983-500-22214 | 04/16/2018 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) | Minnesota Subprime Loan: APR on subject loan of 7.56351% or Final Disclosure APR of 7.63800% is in excess of allowable threshold of USTreasury 4.5400% + 3%, or 7.54000%. Compliant Subprime Loan. | 2 | A | XX | MN | Primary | Purchase | No obvious cure | B | No | |||||||||||
| 882 | XX | XX | XX | 36800620 | 319985-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 882 | XX | XX | XX | 36800621 | 319985-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 882 | XX | XX | XX | 36800622 | 319985-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 882 | XX | XX | XX | 36800623 | 319985-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 883 | XX | XX | XX | 36800624 | 319987-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $206,080.68 is underdisclosed from calculated Finance Charge of $206,150.77 in the amount of $70.09. | TIL itemization did not disclose a courier fee of $70 as prepaid finance charge. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 883 | XX | XX | XX | 36800625 | 319987-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 884 | XX | XX | XX | 36800626 | 320001-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 884 | XX | XX | XX | 36800627 | 320001-500-7042 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 885 | XX | XX | XX | 36800628 | 320002-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 885 | XX | XX | XX | 36800629 | 320002-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 885 | XX | XX | XX | 36800631 | 320002-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $213,474.64 is underdisclosed from calculated Finance Charge of $213,929.98 in the amount of $455.34. | Unable to determine reason for under disclosure due to missing itemization of amount financed. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 886 | XX | XX | XX | 36800632 | 320004-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $226,781.83 is underdisclosed from calculated Finance Charge of $226,831.95 in the amount of $50.12. | TIL itemization did not disclose a courier fee of $40 or an assessment letter fee of $10 as prepaid finance charges. | 2 | B | XX | OK | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 887 | XX | XX | XX | 36800633 | 320006-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | B | No | |||||||||||
| 888 | XX | XX | XX | 36800635 | 320008-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 888 | XX | XX | XX | 36800636 | 320008-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 889 | XX | XX | XX | 36800637 | 320013-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 889 | XX | XX | XX | 36800638 | 320013-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $132,089.68 is underdisclosed from calculated Finance Charge of $132,304.27 in the amount of $214.59. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 890 | XX | XX | XX | 36800640 | 320016-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 890 | XX | XX | XX | 36800641 | 320016-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 890 | XX | XX | XX | 36800642 | 320016-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 890 | XX | XX | XX | 36800643 | 320016-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 890 | XX | XX | XX | 36800644 | 320016-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 890 | XX | XX | XX | 36800646 | 320016-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 891 | XX | XX | XX | 36800648 | 320017-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 891 | XX | XX | XX | 36800649 | 320017-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 892 | XX | XX | XX | 36800650 | 320018-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 893 | XX | XX | XX | 36800651 | 320019-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 893 | XX | XX | XX | 36800652 | 320019-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 894 | XX | XX | XX | 36800656 | 320022-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 894 | XX | XX | XX | 36800657 | 320022-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 895 | XX | XX | XX | 36800658 | 320028-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 896 | XX | XX | XX | 36800660 | 320034-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 896 | XX | XX | XX | 36800661 | 320034-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 896 | XX | XX | XX | 36800662 | 320034-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 897 | XX | XX | XX | 36800663 | 320040-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 897 | XX | XX | XX | 36800664 | 320040-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 897 | XX | XX | XX | 36800665 | 320040-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 898 | XX | XX | XX | 36800666 | 320043-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 898 | XX | XX | XX | 36800667 | 320043-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 898 | XX | XX | XX | 36800668 | 320043-500-613 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | NV | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 898 | XX | XX | XX | 36800669 | 320043-500-22050 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 900 | XX | XX | XX | 36800671 | 320048-500-6577 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 900 | XX | XX | XX | 36800672 | 320048-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 900 | XX | XX | XX | 36800673 | 320048-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | D | No | |||||||||||
| 900 | XX | XX | XX | 36800674 | 320048-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | D | No | |||||||||||
| 900 | XX | XX | XX | 36800675 | 320048-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 01/XX/2008. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 901 | XX | XX | XX | 36800677 | 320049-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 902 | XX | XX | XX | 36800680 | 320050-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | D | No | |||||||||||||
| 902 | XX | XX | XX | 36800681 | 320050-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Purchase | D | No | |||||||||||||
| 902 | XX | XX | XX | 36800682 | 320050-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 902 | XX | XX | XX | 36800683 | 320050-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 902 | XX | XX | XX | 36800684 | 320050-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 902 | XX | XX | XX | 36800685 | 320050-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 902 | XX | XX | XX | 36800686 | 320050-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 902 | XX | XX | XX | 36800687 | 320050-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 903 | XX | XX | XX | 36800688 | 320052-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 903 | XX | XX | XX | 36800689 | 320052-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 904 | XX | XX | XX | 36800691 | 320054-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 905 | XX | XX | XX | 36800692 | 320057-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 905 | XX | XX | XX | 36800696 | 320057-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 905 | XX | XX | XX | 36800699 | 320057-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 905 | XX | XX | XX | 36800700 | 320057-500-7027 | 04/18/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 907 | XX | XX | XX | 36800702 | 320063-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 907 | XX | XX | XX | 36800703 | 320063-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 907 | XX | XX | XX | 36800704 | 320063-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 908 | XX | XX | XX | 36800705 | 320064-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 910 | XX | XX | XX | 36800706 | 320075-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 910 | XX | XX | XX | 36800707 | 320075-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 910 | XX | XX | XX | 36800708 | 320075-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $415,779.49 is underdisclosed from calculated Finance Charge of $415,908.74 in the amount of $129.25. | Unable to determine reason for under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 911 | XX | XX | XX | 36800709 | 320076-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 912 | XX | XX | XX | 36800710 | 320078-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 913 | XX | XX | XX | 36800711 | 320082-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 913 | XX | XX | XX | 36800712 | 320082-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 913 | XX | XX | XX | 36800713 | 320082-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 915 | XX | XX | XX | 36800715 | 320084-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 915 | XX | XX | XX | 36800716 | 320084-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 915 | XX | XX | XX | 36800717 | 320084-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 916 | XX | XX | XX | 36800719 | 320085-500-6576 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 916 | XX | XX | XX | 36800720 | 320085-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 916 | XX | XX | XX | 36800721 | 320085-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 916 | XX | XX | XX | 36800722 | 320085-500-3928 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | CA | Primary | Purchase | D | No | ||||||||||||
| 917 | XX | XX | XX | 36800724 | 320092-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 917 | XX | XX | XX | 36800725 | 320092-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 917 | XX | XX | XX | 36800726 | 320092-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 918 | XX | XX | XX | 36800728 | 320093-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 918 | XX | XX | XX | 36800729 | 320093-500-6577 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 918 | XX | XX | XX | 36800730 | 320093-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 918 | XX | XX | XX | 36800731 | 320093-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 919 | XX | XX | XX | 36800732 | 320096-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 919 | XX | XX | XX | 36800733 | 320096-500-611 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 920 | XX | XX | XX | 36800735 | 320103-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 922 | XX | XX | XX | 36800738 | 320107-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. | 2 | B | XX | WA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1012 | XX | XX | XX | 36800740 | 320764-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1012 | XX | XX | XX | 36800741 | 320764-513-4087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1012 | XX | XX | XX | 36800742 | 320764-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1012 | XX | XX | XX | 36800744 | 320764-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1012 | XX | XX | XX | 36800745 | 320764-513-22050 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1012 | XX | XX | XX | 36800746 | 320764-513-611 | 05/12/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1012 | XX | XX | XX | 36800747 | 320764-513-613 | 05/12/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1013 | XX | XX | XX | 36800748 | 320767-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | |||||||||||||
| 1013 | XX | XX | XX | 36800749 | 320767-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1013 | XX | XX | XX | 36800750 | 320767-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1013 | XX | XX | XX | 36800751 | 320767-513-22866 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1013 | XX | XX | XX | 36800752 | 320767-513-23038 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1013 | XX | XX | XX | 36800753 | 320767-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1013 | XX | XX | XX | 36800754 | 320767-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | C | No | |||||||||||
| 1013 | XX | XX | XX | 36800755 | 320767-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | C | No | |||||||||||
| 1013 | XX | XX | XX | 36800757 | 320767-513-5712 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Borrower's Interest Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. | 3 | C | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C | No | ||||||||||||
| 1014 | XX | XX | XX | 36800759 | 320778-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - UTD | B | No | |||||||||||||
| 1014 | XX | XX | XX | 36800763 | 320778-513-22866 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | MA | Primary | Refinance - UTD | B | No | ||||||||||||
| 1014 | XX | XX | XX | 36800764 | 320778-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - UTD | B | No | ||||||||||||
| 1014 | XX | XX | XX | 36800765 | 320778-513-22050 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 1014 | XX | XX | XX | 36800766 | 320778-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Refinance - UTD | B | No | ||||||||||||
| 1014 | XX | XX | XX | 36800767 | 320778-513-7027 | 05/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | MA | Primary | Refinance - UTD | B | No | ||||||||||||
| 1015 | XX | XX | XX | 36800768 | 320849-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | NJ | Primary | Purchase | B | No | ||||||||||||
| 1015 | XX | XX | XX | 36800769 | 320849-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1015 | XX | XX | XX | 36800770 | 320849-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1015 | XX | XX | XX | 36800771 | 320849-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1015 | XX | XX | XX | 36800772 | 320849-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Purchase | B | No | |||||||||||||
| 1016 | XX | XX | XX | 36800775 | 320859-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1016 | XX | XX | XX | 36800776 | 320859-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1016 | XX | XX | XX | 36800777 | 320859-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1016 | XX | XX | XX | 36800778 | 320859-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1016 | XX | XX | XX | 36800779 | 320859-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $216,825.50 is underdisclosed from calculated Finance Charge of $216,936.63 in the amount of $111.13. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1016 | XX | XX | XX | 36800780 | 320859-513-23038 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1017 | XX | XX | XX | 36800782 | 320862-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 1017 | XX | XX | XX | 36800783 | 320862-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1017 | XX | XX | XX | 36800784 | 320862-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1018 | XX | XX | XX | 36800785 | 320881-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1018 | XX | XX | XX | 36800786 | 320881-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1018 | XX | XX | XX | 36800787 | 320881-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1019 | XX | XX | XX | 36800789 | 320909-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | NY | Primary | Purchase | B | No | ||||||||||||
| 1019 | XX | XX | XX | 36800790 | 320909-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1019 | XX | XX | XX | 36800791 | 320909-513-6306 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NY | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1020 | XX | XX | XX | 36800792 | 320928-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1020 | XX | XX | XX | 36800793 | 320928-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1020 | XX | XX | XX | 36800794 | 320928-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2008. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1020 | XX | XX | XX | 36800795 | 320928-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1021 | XX | XX | XX | 36800796 | 320929-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1021 | XX | XX | XX | 36800797 | 320929-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1021 | XX | XX | XX | 36800798 | 320929-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1022 | XX | XX | XX | 36800799 | 320935-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $603,415.75 is underdisclosed from calculated Finance Charge of $603,463.08 in the amount of $47.33. | TIL itemization did not disclose a recording service fee of $67.50 as a prepaid finance charge. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1023 | XX | XX | XX | 36800800 | 320954-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1025 | XX | XX | XX | 36800802 | 320964-513-2666 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2002, prior to three (3) business days from transaction date of 02/XX/2002. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1025 | XX | XX | XX | 36800803 | 320964-513-2647 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1025 | XX | XX | XX | 36800804 | 320964-513-3953 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1025 | XX | XX | XX | 36800805 | 320964-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1025 | XX | XX | XX | 36800806 | 320964-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1026 | XX | XX | XX | 36800808 | 320967-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | Missing GFEs | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1026 | XX | XX | XX | 36800812 | 320967-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1026 | XX | XX | XX | 36800813 | 320967-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1026 | XX | XX | XX | 36800815 | 320967-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1026 | XX | XX | XX | 36800816 | 320967-513-7027 | 05/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1027 | XX | XX | XX | 36800817 | 320969-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1027 | XX | XX | XX | 36800818 | 320969-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 1028 | XX | XX | XX | 36800820 | 320976-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1028 | XX | XX | XX | 36800821 | 320976-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $67,528.06 is underdisclosed from calculated Finance Charge of $67,953.17 in the amount of $425.11. | Unable to determine the under-disclosure due to missing Itemization of Amount Financed. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1028 | XX | XX | XX | 36800822 | 320976-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1029 | XX | XX | XX | 36800824 | 320988-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1029 | XX | XX | XX | 36800825 | 320988-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,936.18 is underdisclosed from calculated Finance Charge of $104,347.01 in the amount of $410.83. | Unable to determine under disclosure $410.83 due to missing itemization of amount financed. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1029 | XX | XX | XX | 36800826 | 320988-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1030 | XX | XX | XX | 36800827 | 320999-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. | 2 | B | XX | PA | Primary | Construction-Permanent | B | No | ||||||||||||
| 1031 | XX | XX | XX | 36800829 | 321001-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1031 | XX | XX | XX | 36800830 | 321001-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1031 | XX | XX | XX | 36800831 | 321001-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1032 | XX | XX | XX | 36800834 | 321004-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 1032 | XX | XX | XX | 36800835 | 321004-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 1032 | XX | XX | XX | 36800836 | 321004-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | PA | Primary | Purchase | D | No | ||||||||||||
| 1033 | XX | XX | XX | 36800837 | 321008-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1033 | XX | XX | XX | 36800838 | 321008-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | PA | Primary | Purchase | B | No | |||||||||||||
| 1033 | XX | XX | XX | 36800839 | 321008-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | 2 | B | XX | PA | Primary | Purchase | B | No | ||||||||||||
| 1034 | XX | XX | XX | 36800842 | 321010-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1034 | XX | XX | XX | 36800843 | 321010-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1034 | XX | XX | XX | 36800845 | 321010-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1034 | XX | XX | XX | 36800846 | 321010-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1035 | XX | XX | XX | 36800847 | 321012-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 1035 | XX | XX | XX | 36800848 | 321012-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $192,727.02 is underdisclosed from calculated Finance Charge of $193,436.45 in the amount of $709.43. | The source of under disclosure cannot be determined due to the missing itemization of amount financed. | 2 | B | XX | DE | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1036 | XX | XX | XX | 36800851 | 321019-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 1036 | XX | XX | XX | 36800853 | 321019-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1036 | XX | XX | XX | 36800854 | 321019-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | DC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1036 | XX | XX | XX | 36800855 | 321019-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1036 | XX | XX | XX | 36800856 | 321019-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1037 | XX | XX | XX | 36800859 | 321020-513-6580 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | DC | Primary | Purchase | B | No | ||||||||||||
| 1038 | XX | XX | XX | 36800860 | 321021-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1038 | XX | XX | XX | 36800861 | 321021-513-5440 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) | B | No | |||||||||||
| 1038 | XX | XX | XX | 36800862 | 321021-513-2684 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1038 | XX | XX | XX | 36800863 | 321021-513-3353 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1038 | XX | XX | XX | 36800864 | 321021-513-18362 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | The Servicing Disclosure is dated 7/XX/2011, the application date is 5/XX/2011. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 1040 | XX | XX | XX | 36800867 | 321032-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $101,771.72 is underdisclosed from calculated Finance Charge of $102,174.18 in the amount of $402.46. | TIL itemization did not disclose a flood certification fee of $25, settlement/closing costs of $295 or a courier fee of $30 as prepaid finance charges. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1041 | XX | XX | XX | 36800871 | 321034-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1041 | XX | XX | XX | 36800872 | 321034-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 1042 | XX | XX | XX | 36800873 | 321040-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | SC | Primary | Construction-Permanent | D | No | |||||||||||||
| 1042 | XX | XX | XX | 36800875 | 321040-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | SC | Primary | Construction-Permanent | D | No | ||||||||||||
| 1042 | XX | XX | XX | 36800876 | 321040-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | SC | Primary | Construction-Permanent | D | No | ||||||||||||
| 1042 | XX | XX | XX | 36800877 | 321040-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | SC | Primary | Construction-Permanent | No Defined Cure | D | No | |||||||||||
| 1042 | XX | XX | XX | 36800878 | 321040-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | SC | Primary | Construction-Permanent | No Defined Cure | D | No | |||||||||||
| 1042 | XX | XX | XX | 36800879 | 321040-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | SC | Primary | Construction-Permanent | D | No | ||||||||||||
| 1042 | XX | XX | XX | 36800880 | 321040-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | SC | Primary | Construction-Permanent | D | No | ||||||||||||
| 1043 | XX | XX | XX | 36800882 | 321050-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1043 | XX | XX | XX | 36800883 | 321050-513-4087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1043 | XX | XX | XX | 36800884 | 321050-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1043 | XX | XX | XX | 36800885 | 321050-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 1043 | XX | XX | XX | 36800887 | 321050-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1043 | XX | XX | XX | 36800888 | 321050-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1044 | XX | XX | XX | 36800891 | 321057-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2009. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1044 | XX | XX | XX | 36800892 | 321057-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 1045 | XX | XX | XX | 36800893 | 321089-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 1045 | XX | XX | XX | 36800895 | 321089-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1045 | XX | XX | XX | 36800896 | 321089-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1045 | XX | XX | XX | 36800897 | 321089-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1045 | XX | XX | XX | 36800898 | 321089-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1045 | XX | XX | XX | 36800899 | 321089-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1046 | XX | XX | XX | 36800902 | 321105-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 1046 | XX | XX | XX | 36800904 | 321105-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 1046 | XX | XX | XX | 36800905 | 321105-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1996 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1046 | XX | XX | XX | 36800906 | 321105-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1046 | XX | XX | XX | 36800907 | 321105-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1046 | XX | XX | XX | 36800908 | 321105-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1046 | XX | XX | XX | 36800909 | 321105-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 1046 | XX | XX | XX | 36800910 | 321105-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 1047 | XX | XX | XX | 36800912 | 321124-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | UTD - UTD | D | No | |||||||||||||
| 1047 | XX | XX | XX | 36800913 | 321124-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | UTD - UTD | D | No | |||||||||||||
| 1047 | XX | XX | XX | 36800914 | 321124-513-18330 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | FL | Primary | UTD - UTD | D | No | |||||||||||||
| 1047 | XX | XX | XX | 36800916 | 321124-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | UTD - UTD | D | No | ||||||||||||
| 1047 | XX | XX | XX | 36800917 | 321124-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | UTD - UTD | D | No | ||||||||||||
| 1047 | XX | XX | XX | 36800918 | 321124-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | UTD - UTD | D | No | ||||||||||||
| 1047 | XX | XX | XX | 36800919 | 321124-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | FL | Primary | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 1047 | XX | XX | XX | 36800920 | 321124-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | FL | Primary | UTD - UTD | No Defined Cure | D | No | |||||||||||
| 1047 | XX | XX | XX | 36800921 | 321124-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | FL | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1047 | XX | XX | XX | 36800922 | 321124-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | UTD - UTD | D | No | ||||||||||||
| 1048 | XX | XX | XX | 36800923 | 321128-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 1048 | XX | XX | XX | 36800925 | 321128-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 1048 | XX | XX | XX | 36800926 | 321128-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 1048 | XX | XX | XX | 36800927 | 321128-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 1048 | XX | XX | XX | 36800928 | 321128-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AL | Primary | Purchase | D | No | ||||||||||||
| 1048 | XX | XX | XX | 36800929 | 321128-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AL | Primary | Purchase | D | No | |||||||||||||
| 1049 | XX | XX | XX | 36800931 | 321130-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1049 | XX | XX | XX | 36800932 | 321130-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1049 | XX | XX | XX | 36800933 | 321130-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1049 | XX | XX | XX | 36800934 | 321130-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1049 | XX | XX | XX | 36800935 | 321130-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 1049 | XX | XX | XX | 36800936 | 321130-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TN | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 1050 | XX | XX | XX | 36800938 | 321135-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1050 | XX | XX | XX | 36800939 | 321135-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1050 | XX | XX | XX | 36800940 | 321135-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 1050 | XX | XX | XX | 36800941 | 321135-513-22137 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | MS | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1051 | XX | XX | XX | 36800943 | 321143-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1051 | XX | XX | XX | 36800945 | 321143-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1051 | XX | XX | XX | 36800946 | 321143-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1051 | XX | XX | XX | 36800947 | 321143-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 1051 | XX | XX | XX | 36800948 | 321143-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1052 | XX | XX | XX | 36800949 | 321147-513-7039 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | OH | Primary | Refinance - Streamlined | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1053 | XX | XX | XX | 36800950 | 321200-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1053 | XX | XX | XX | 36800951 | 321200-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 1053 | XX | XX | XX | 36800952 | 321200-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,881.80 is underdisclosed from calculated Finance Charge of $182,425.25 in the amount of $4,543.45. | The TIL payment streams do not reflect the terms of the note. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1054 | XX | XX | XX | 36800954 | 321205-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2010. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 1054 | XX | XX | XX | 36800955 | 321205-513-2687 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 1054 | XX | XX | XX | 36800956 | 321205-513-7087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 1054 | XX | XX | XX | 36800957 | 321205-513-3078 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 1054 | XX | XX | XX | 36800958 | 321205-513-18362 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | RESPA Servicing Disclosure dated 4/XX/2010. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | |||||||||||
| 1054 | XX | XX | XX | 36800959 | 321205-513-2684 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | UT | Primary | Refinance - Streamlined | B | No | ||||||||||||
| 1055 | XX | XX | XX | 36800961 | 321219-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1055 | XX | XX | XX | 36800962 | 321219-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1055 | XX | XX | XX | 36800963 | 321219-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1055 | XX | XX | XX | 36800964 | 321219-513-23495 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 1056 | XX | XX | XX | 36800967 | 321230-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D | No | |||||||||||||
| 1056 | XX | XX | XX | 36800969 | 321230-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. | 2 | B | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D | No | ||||||||||||
| 1056 | XX | XX | XX | 36800970 | 321230-513-6578 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D | No | ||||||||||||
| 1057 | XX | XX | XX | 36800972 | 321231-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | CA | Investment | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1057 | XX | XX | XX | 36800973 | 321231-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Investment | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1057 | XX | XX | XX | 36800974 | 321231-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Investment | Refinance - Cash-out - Other | D | No | ||||||||||||
| 1058 | XX | XX | XX | 36800975 | 321245-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1058 | XX | XX | XX | 36800976 | 321245-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1058 | XX | XX | XX | 36800977 | 321245-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 1058 | XX | XX | XX | 36800978 | 321245-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1058 | XX | XX | XX | 36800979 | 321245-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 1058 | XX | XX | XX | 36800980 | 321245-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 1058 | XX | XX | XX | 36800981 | 321245-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 1058 | XX | XX | XX | 36800982 | 321245-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 1059 | XX | XX | XX | 36800983 | 321251-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1059 | XX | XX | XX | 36800984 | 321251-513-7042 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 1059 | XX | XX | XX | 36800986 | 321251-513-23495 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1059 | XX | XX | XX | 36800987 | 321251-513-23494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 1059 | XX | XX | XX | 36800988 | 321251-513-6419 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.02500% is underdisclosed from calculated APR of 7.40046% outside of 0.125% tolerance. | Closing instructions indicate the Index used was 4.110%. The lowest Index available within the look-back period is 4.49%. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 1059 | XX | XX | XX | 36800989 | 321251-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,228,935.50 is underdisclosed from calculated Finance Charge of $1,328,834.36 in the amount of $99,898.86. | Closing instructions indicate the Index used was4.110%. The lowest Index available within the look-back period is 4.49%. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 585 | XX | XX | XX | 36801025 | 318555-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 585 | XX | XX | XX | 36801027 | 318555-494-1891 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 586 | XX | XX | XX | 36801029 | 318558-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 586 | XX | XX | XX | 36801030 | 318558-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 586 | XX | XX | XX | 36801031 | 318558-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 586 | XX | XX | XX | 36801032 | 318558-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 586 | XX | XX | XX | 36801033 | 318558-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 587 | XX | XX | XX | 36801036 | 318575-494-5791 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 587 | XX | XX | XX | 36801037 | 318575-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 587 | XX | XX | XX | 36801038 | 318575-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 588 | XX | XX | XX | 36801039 | 318582-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 588 | XX | XX | XX | 36801040 | 318582-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 589 | XX | XX | XX | 36801041 | 318583-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $997,819.64 is underdisclosed from calculated Finance Charge of $999,826.17 in the amount of $2,006.53. | TIL itemization included a loan discount fee credit of $2,388.50 partially offset by an itemized application fee of $395 as prepaid finance charges. | 2 | B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 590 | XX | XX | XX | 36801043 | 318584-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 590 | XX | XX | XX | 36801044 | 318584-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 590 | XX | XX | XX | 36801046 | 318584-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 590 | XX | XX | XX | 36801047 | 318584-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 591 | XX | XX | XX | 36801050 | 318592-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 591 | XX | XX | XX | 36801051 | 318592-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 591 | XX | XX | XX | 36801057 | 318592-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 591 | XX | XX | XX | 36801059 | 318592-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 591 | XX | XX | XX | 36801060 | 318592-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 592 | XX | XX | XX | 36801061 | 318603-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 592 | XX | XX | XX | 36801063 | 318603-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $384,920.53 is underdisclosed from calculated Finance Charge of $385,215.43 in the amount of $294.90. | TIL itemization did not disclose a loan discount fee of $250 and a tax lien certificates fee of $45 as prepaid finance charges. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 592 | XX | XX | XX | 36801064 | 318603-494-22051 | 11/15/2017 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period of 10 days does not meet the 15 days allowed for the state of Pennsylvania. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 594 | XX | XX | XX | 36801065 | 318614-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | DC | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 595 | XX | XX | XX | 36801067 | 318618-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 595 | XX | XX | XX | 36801068 | 318618-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 595 | XX | XX | XX | 36801069 | 318618-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 595 | XX | XX | XX | 36801070 | 318618-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | MD | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 596 | XX | XX | XX | 36801072 | 318619-494-3180 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - First Change Date on GFE Inaccurate | RESPA (2010): First Change Date on GFE does not match First Change Date on Note. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801073 | 318619-494-2694 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801074 | 318619-494-2696 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801075 | 318619-494-2684 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801076 | 318619-494-18362 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801077 | 318619-494-3110 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment on the loan during the first five (5) years of the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801078 | 318619-494-3114 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801079 | 318619-494-3115 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate | Truth in Lending Act (MDIA 2011): Adjustable rate introductory period on Final TIL does not match introductory period for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801080 | 318619-494-3116 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801081 | 318619-494-3120 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801082 | 318619-494-3071 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 596 | XX | XX | XX | 36801083 | 318619-494-3074 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 597 | XX | XX | XX | 36801085 | 318623-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 597 | XX | XX | XX | 36801086 | 318623-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 597 | XX | XX | XX | 36801090 | 318623-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 597 | XX | XX | XX | 36801091 | 318623-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 597 | XX | XX | XX | 36801095 | 318623-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 597 | XX | XX | XX | 36801096 | 318623-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 598 | XX | XX | XX | 36801097 | 318626-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 598 | XX | XX | XX | 36801098 | 318626-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 598 | XX | XX | XX | 36801099 | 318626-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 598 | XX | XX | XX | 36801100 | 318626-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $361,534.35 is underdisclosed from calculated Finance Charge of $361,724.45 in the amount of $190.10. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. | 2 | B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 599 | XX | XX | XX | 36801102 | 318629-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | VA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 600 | XX | XX | XX | 36801103 | 318635-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 600 | XX | XX | XX | 36801104 | 318635-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 600 | XX | XX | XX | 36801105 | 318635-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,374.00 is underdisclosed from calculated Finance Charge of $84,749.74 in the amount of $375.74. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 600 | XX | XX | XX | 36801106 | 318635-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 601 | XX | XX | XX | 36801108 | 318641-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 601 | XX | XX | XX | 36801113 | 318641-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 601 | XX | XX | XX | 36801115 | 318641-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 601 | XX | XX | XX | 36801117 | 318641-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 601 | XX | XX | XX | 36801118 | 318641-494-2489 | 12/07/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 602 | XX | XX | XX | 36801120 | 318647-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 602 | XX | XX | XX | 36801121 | 318647-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 602 | XX | XX | XX | 36801122 | 318647-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 602 | XX | XX | XX | 36801123 | 318647-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 602 | XX | XX | XX | 36801124 | 318647-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 603 | XX | XX | XX | 36801126 | 318649-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 603 | XX | XX | XX | 36801127 | 318649-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 603 | XX | XX | XX | 36801128 | 318649-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 604 | XX | XX | XX | 36801130 | 318653-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 604 | XX | XX | XX | 36801131 | 318653-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 604 | XX | XX | XX | 36801132 | 318653-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 604 | XX | XX | XX | 36801133 | 318653-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 604 | XX | XX | XX | 36801134 | 318653-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 604 | XX | XX | XX | 36801135 | 318653-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Other | D | No | |||||||||||||
| 606 | XX | XX | XX | 36801136 | 318659-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 606 | XX | XX | XX | 36801137 | 318659-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 607 | XX | XX | XX | 36801139 | 318664-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | |||||||||||||
| 607 | XX | XX | XX | 36801140 | 318664-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 607 | XX | XX | XX | 36801141 | 318664-494-5705 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | 3 | C | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 607 | XX | XX | XX | 36801142 | 318664-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | C | No | |||||||||||
| 607 | XX | XX | XX | 36801144 | 318664-494-2658 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 12.40000% is underdisclosed from calculated APR of 12.53407% outside of 0.125% tolerance. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable | C | No | |||||||||||
| 608 | XX | XX | XX | 36801146 | 318666-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 609 | XX | XX | XX | 36801148 | 318667-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 609 | XX | XX | XX | 36801149 | 318667-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 609 | XX | XX | XX | 36801151 | 318667-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 610 | XX | XX | XX | 36801152 | 318668-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 611 | XX | XX | XX | 36801156 | 318675-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 611 | XX | XX | XX | 36801157 | 318675-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 611 | XX | XX | XX | 36801158 | 318675-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 612 | XX | XX | XX | 36801159 | 318683-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 612 | XX | XX | XX | 36801160 | 318683-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 612 | XX | XX | XX | 36801161 | 318683-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 612 | XX | XX | XX | 36801164 | 318683-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 612 | XX | XX | XX | 36801165 | 318683-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 613 | XX | XX | XX | 36801166 | 318684-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 614 | XX | XX | XX | 36801168 | 318686-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 614 | XX | XX | XX | 36801169 | 318686-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 614 | XX | XX | XX | 36801171 | 318686-494-5693 | 11/15/2017 | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test | North Carolina Rate Spread Home Loan: APR on subject loan of 11.69940% or Final Disclosure APR of 11.70000% is in excess of allowable threshold of US Treasury 4.7900% + 3%, or 7.79000% and Conventional Mortgage Rate 6.3700% + 1.75%, or 8.12000%. Non-Compliant Rate Spread Home Loan. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | Within 90 days of closing and prior to institution of any action
against the lender, (1) notify the borrower, and (2) make appropriate
restitution at the option of the borrower to either (a) make the loan comply
with prohibited acts and practices or (b) change the terms of the loan in a
manner beneficial to the borrower so the loan is no longer rate spread. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
B | No | |||||||||||
| 614 | XX | XX | XX | 36801172 | 318686-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $510,602.46 is underdisclosed from calculated Finance Charge of $510,656.55 in the amount of $54.09. | Disclosed payment on Note of $1959.71 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 614 | XX | XX | XX | 36801173 | 318686-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 615 | XX | XX | XX | 36801176 | 318689-494-5693 | 11/15/2017 | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test | North Carolina Rate Spread Home Loan: APR on subject loan of 12.13340% or Final Disclosure APR of 12.13000% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.6700% + 1.75%, or 7.42000%. Non-Compliant Rate Spread Home Loan. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | Within 90 days of closing and prior to institution of any action
against the lender, (1) notify the borrower, and (2) make appropriate
restitution at the option of the borrower to either (a) make the loan comply
with prohibited acts and practices or (b) change the terms of the loan in a
manner beneficial to the borrower so the loan is no longer rate spread. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
B | No | |||||||||||
| 615 | XX | XX | XX | 36801177 | 318689-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 615 | XX | XX | XX | 36801178 | 318689-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 616 | XX | XX | XX | 36801179 | 318693-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 616 | XX | XX | XX | 36801180 | 318693-494-2778 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 616 | XX | XX | XX | 36801181 | 318693-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 617 | XX | XX | XX | 36801184 | 318694-494-2778 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 618 | XX | XX | XX | 36801186 | 318703-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 618 | XX | XX | XX | 36801187 | 318703-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 618 | XX | XX | XX | 36801188 | 318703-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | GA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 619 | XX | XX | XX | 36801191 | 318706-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 620 | XX | XX | XX | 36801192 | 318708-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 620 | XX | XX | XX | 36801193 | 318708-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 620 | XX | XX | XX | 36801194 | 318708-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 620 | XX | XX | XX | 36801195 | 318708-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $151,959.03 is underdisclosed from calculated Finance Charge of $152,123.36 in the amount of $164.33. | The itemization does not disclosed $360.20 Attorney's Fees or $6.50 GA Residential Mortgage Fee in the prepaid finance charges. In addition, the prepaid interest has been over disclosed by $207.58. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 621 | XX | XX | XX | 36801197 | 318711-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 622 | XX | XX | XX | 36801198 | 318716-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 622 | XX | XX | XX | 36801199 | 318716-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 622 | XX | XX | XX | 36801200 | 318716-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 622 | XX | XX | XX | 36801201 | 318716-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 622 | XX | XX | XX | 36801202 | 318716-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 623 | XX | XX | XX | 36801203 | 318720-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 623 | XX | XX | XX | 36801204 | 318720-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 623 | XX | XX | XX | 36801206 | 318720-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 624 | XX | XX | XX | 36801207 | 318722-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 624 | XX | XX | XX | 36801208 | 318722-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | D | No | |||||||||||||
| 624 | XX | XX | XX | 36801209 | 318722-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 624 | XX | XX | XX | 36801210 | 318722-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 624 | XX | XX | XX | 36801211 | 318722-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 624 | XX | XX | XX | 36801212 | 318722-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | D | No | ||||||||||||
| 625 | XX | XX | XX | 36801214 | 318724-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 625 | XX | XX | XX | 36801215 | 318724-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 625 | XX | XX | XX | 36801216 | 318724-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 625 | XX | XX | XX | 36801217 | 318724-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 626 | XX | XX | XX | 36801218 | 318726-494-22137 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 626 | XX | XX | XX | 36801219 | 318726-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 626 | XX | XX | XX | 36801220 | 318726-494-2647 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 627 | XX | XX | XX | 36801221 | 318727-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 628 | XX | XX | XX | 36801224 | 318730-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 628 | XX | XX | XX | 36801225 | 318730-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $209,858.55 is underdisclosed from calculated Finance Charge of $211,311.23 in the amount of $1,452.68. | TIL itemization did not disclose MIP fee of $2302.50 as prepaid finance charge | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 629 | XX | XX | XX | 36801226 | 318732-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 629 | XX | XX | XX | 36801227 | 318732-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 629 | XX | XX | XX | 36801228 | 318732-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 629 | XX | XX | XX | 36801229 | 318732-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 630 | XX | XX | XX | 36801231 | 318735-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 631 | XX | XX | XX | 36801232 | 318741-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 631 | XX | XX | XX | 36801233 | 318741-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 631 | XX | XX | XX | 36801234 | 318741-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $159,558.49 is underdisclosed from calculated Finance Charge of $160,226.34 in the amount of $667.85. | Under disclosure due to final TIL reflecting a fixed rate payment stream rather than an arm payment stream as indicated on the note. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 632 | XX | XX | XX | 36801236 | 318744-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 632 | XX | XX | XX | 36801237 | 318744-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 635 | XX | XX | XX | 36801238 | 318754-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | FL | Primary | Purchase | B | No | |||||||||||||
| 635 | XX | XX | XX | 36801240 | 318754-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 635 | XX | XX | XX | 36801241 | 318754-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. | 2 | B | XX | FL | Primary | Purchase | B | No | ||||||||||||
| 637 | XX | XX | XX | 36801242 | 318762-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $190,375.47 is underdisclosed from calculated Finance Charge of $190,415.45 in the amount of $39.98. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 637 | XX | XX | XX | 36801244 | 318762-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 637 | XX | XX | XX | 36801245 | 318762-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 637 | XX | XX | XX | 36801246 | 318762-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 637 | XX | XX | XX | 36801247 | 318762-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 638 | XX | XX | XX | 36801249 | 318769-494-1153 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | 2 | B | XX | AL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 640 | XX | XX | XX | 36801251 | 318775-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 641 | XX | XX | XX | 36801252 | 318776-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 641 | XX | XX | XX | 36801253 | 318776-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 642 | XX | XX | XX | 36801255 | 318777-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 642 | XX | XX | XX | 36801256 | 318777-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 642 | XX | XX | XX | 36801257 | 318777-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $115,437.35 is underdisclosed from calculated Finance Charge of $115,524.97 in the amount of $87.62. | Disclosed payment on Note of $443.77 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 643 | XX | XX | XX | 36801259 | 318781-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 643 | XX | XX | XX | 36801260 | 318781-494-20171 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 643 | XX | XX | XX | 36801261 | 318781-494-22107 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. | Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 643 | XX | XX | XX | 36801262 | 318781-494-20172 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. | 2 | B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 644 | XX | XX | XX | 36801263 | 318782-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 644 | XX | XX | XX | 36801264 | 318782-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 645 | XX | XX | XX | 36801265 | 318786-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 645 | XX | XX | XX | 36801266 | 318786-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 645 | XX | XX | XX | 36801267 | 318786-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | OH | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 646 | XX | XX | XX | 36801269 | 318796-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 647 | XX | XX | XX | 36801270 | 318803-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 647 | XX | XX | XX | 36801271 | 318803-494-1973 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 647 | XX | XX | XX | 36801272 | 318803-494-1976 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 647 | XX | XX | XX | 36801273 | 318803-494-6589 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 647 | XX | XX | XX | 36801274 | 318803-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 647 | XX | XX | XX | 36801275 | 318803-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 647 | XX | XX | XX | 36801276 | 318803-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | 2 | B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 648 | XX | XX | XX | 36801281 | 318807-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 648 | XX | XX | XX | 36801282 | 318807-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MI | Primary | Purchase | B | No | |||||||||||||
| 648 | XX | XX | XX | 36801283 | 318807-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 648 | XX | XX | XX | 36801284 | 318807-494-6580 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 648 | XX | XX | XX | 36801285 | 318807-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 648 | XX | XX | XX | 36801286 | 318807-494-3353 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 648 | XX | XX | XX | 36801287 | 318807-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 649 | XX | XX | XX | 36801290 | 318808-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 649 | XX | XX | XX | 36801291 | 318808-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 649 | XX | XX | XX | 36801292 | 318808-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MI | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 650 | XX | XX | XX | 36801295 | 318830-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | IL | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 651 | XX | XX | XX | 36801297 | 318831-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 651 | XX | XX | XX | 36801298 | 318831-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 651 | XX | XX | XX | 36801300 | 318831-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 651 | XX | XX | XX | 36801301 | 318831-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $290,247.03 is underdisclosed from calculated Finance Charge of $290,301.95 in the amount of $54.92. | Unable to determine due to missing itemization of amount financed. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 652 | XX | XX | XX | 36801302 | 318832-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 652 | XX | XX | XX | 36801303 | 318832-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 652 | XX | XX | XX | 36801304 | 318832-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 652 | XX | XX | XX | 36801305 | 318832-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | IL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 652 | XX | XX | XX | 36801306 | 318832-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 652 | XX | XX | XX | 36801308 | 318832-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $351,715.14 is underdisclosed from calculated Finance Charge of $352,160.31 in the amount of $445.17. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 690 | XX | XX | XX | 36801309 | 319051-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 690 | XX | XX | XX | 36801310 | 319051-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 690 | XX | XX | XX | 36801311 | 319051-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 690 | XX | XX | XX | 36801312 | 319051-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 690 | XX | XX | XX | 36801313 | 319051-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 690 | XX | XX | XX | 36801314 | 319051-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $2,966,854.61 is underdisclosed from calculated Finance Charge of $2,968,677.56 in the amount of $1,822.95. | TIL itemization did not disclose courier fees of $23.04 & $15, wire fees of $25 & $75, a an underwriting fee of $100 as prepaid finance charges. TIL itemization over disclosed a signing fee of $175 and a doc prep fee of $275 as prepaid finance charges. Also, TIL itemization disclosed an escrow service fee of $600 and interim interest in the amount of $5274.31, however the HUD reflects an escrow service fee of $100 and interim interest in the amount of $7811.46. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 653 | XX | XX | XX | 36801315 | 318864-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 653 | XX | XX | XX | 36801316 | 318864-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 653 | XX | XX | XX | 36801317 | 318864-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 653 | XX | XX | XX | 36801318 | 318864-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 653 | XX | XX | XX | 36801320 | 318864-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. | 2 | B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 654 | XX | XX | XX | 36801322 | 318872-494-1153 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 655 | XX | XX | XX | 36801324 | 318877-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 655 | XX | XX | XX | 36801325 | 318877-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 656 | XX | XX | XX | 36801326 | 318890-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 657 | XX | XX | XX | 36801327 | 318895-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 657 | XX | XX | XX | 36801328 | 318895-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 657 | XX | XX | XX | 36801329 | 318895-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 659 | XX | XX | XX | 36801330 | 318915-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 660 | XX | XX | XX | 36801332 | 318916-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $124,018.13 is underdisclosed from calculated Finance Charge of $124,119.08 in the amount of $100.95. | Under disclosure due to $100 Attorney fee not reflected in TIL itemization of prepaid finance charges. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 661 | XX | XX | XX | 36801334 | 318920-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | D | No | |||||||||||||
| 661 | XX | XX | XX | 36801335 | 318920-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 661 | XX | XX | XX | 36801336 | 318920-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 661 | XX | XX | XX | 36801337 | 318920-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 661 | XX | XX | XX | 36801338 | 318920-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | D | No | ||||||||||||
| 662 | XX | XX | XX | 36801339 | 318926-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 662 | XX | XX | XX | 36801340 | 318926-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 662 | XX | XX | XX | 36801341 | 318926-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 663 | XX | XX | XX | 36801342 | 318927-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 663 | XX | XX | XX | 36801343 | 318927-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 663 | XX | XX | XX | 36801344 | 318927-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 664 | XX | XX | XX | 36801347 | 318928-494-6231 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | 2 | A | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 664 | XX | XX | XX | 36801349 | 318928-494-6336 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | No | |||||||||||
| 664 | XX | XX | XX | 36801354 | 318928-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $31,696.27 is underdisclosed from calculated Finance Charge of $31,870.05 in the amount of $173.78. | TIL itemization did not disclose an Attorney closing fee of $200 or a flood cert fee of $5.50 as prepaid finance charges. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 664 | XX | XX | XX | 36801355 | 318928-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 665 | XX | XX | XX | 36801359 | 318931-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 666 | XX | XX | XX | 36801360 | 318932-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 667 | XX | XX | XX | 36801362 | 318948-494-6336 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | No | |||||||||||
| 667 | XX | XX | XX | 36801366 | 318948-494-2449 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan Counseling Agencies List Not Provided | Texas Home Loan: Borrower did not receive list of available housing counseling agencies approved by HUD. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 667 | XX | XX | XX | 36801367 | 318948-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $83,501.49 is underdisclosed from calculated Finance Charge of $86,571.87 in the amount of $3,070.38. | Disclosed payment on Note of $519.00 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 667 | XX | XX | XX | 36801369 | 318948-494-2452 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan Counseling Disclosure Not Provided Timely | Texas Home Loan: Borrower did not receive a statement regarding the value of mortgage counseling within three (3) business days of application. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 667 | XX | XX | XX | 36801370 | 318948-494-2458 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan (Mortgage Information Resource List not Provided Timely) | Texas Home Loan: Borrower did not receive list of other resources where mortgage information can be found within three (3) business days of application. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 668 | XX | XX | XX | 36801372 | 318951-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1998. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 668 | XX | XX | XX | 36801373 | 318951-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 668 | XX | XX | XX | 36801374 | 318951-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 669 | XX | XX | XX | 36801376 | 318958-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 669 | XX | XX | XX | 36801377 | 318958-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 669 | XX | XX | XX | 36801378 | 318958-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 670 | XX | XX | XX | 36801379 | 318991-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | WY | Primary | Purchase | B | No | ||||||||||||
| 670 | XX | XX | XX | 36801381 | 318991-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WY | Primary | Purchase | B | No | ||||||||||||
| 671 | XX | XX | XX | 36801383 | 318996-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $215,460.60 is underdisclosed from calculated Finance Charge of $215,690.28 in the amount of $229.68. | TIL Itemization disclosed the prepaid finance charges of $4654.94 However the hud reflects $4819.94 as prepaid finance charges. | 2 | B | XX | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 672 | XX | XX | XX | 36801384 | 318999-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Purchase | D | No | |||||||||||||
| 672 | XX | XX | XX | 36801385 | 318999-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | AZ | Primary | Purchase | D | No | ||||||||||||
| 672 | XX | XX | XX | 36801386 | 318999-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | AZ | Primary | Purchase | D | No | ||||||||||||
| 672 | XX | XX | XX | 36801387 | 318999-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | AZ | Primary | Purchase | D | No | |||||||||||||
| 672 | XX | XX | XX | 36801388 | 318999-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AZ | Primary | Purchase | D | No | ||||||||||||
| 673 | XX | XX | XX | 36801389 | 319000-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | Primary | Construction-Permanent | B | No | |||||||||||||
| 673 | XX | XX | XX | 36801390 | 319000-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Construction-Permanent | B | No | |||||||||||||
| 673 | XX | XX | XX | 36801392 | 319000-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. | 2 | B | XX | AZ | Primary | Construction-Permanent | B | No | ||||||||||||
| 674 | XX | XX | XX | 36801394 | 319004-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 675 | XX | XX | XX | 36801396 | 319005-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 675 | XX | XX | XX | 36801397 | 319005-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 675 | XX | XX | XX | 36801399 | 319005-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 675 | XX | XX | XX | 36801400 | 319005-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 676 | XX | XX | XX | 36801401 | 319007-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 676 | XX | XX | XX | 36801402 | 319007-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | AZ | Primary | Purchase | B | No | |||||||||||||
| 676 | XX | XX | XX | 36801403 | 319007-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | AZ | Primary | Purchase | B | No | |||||||||||||
| 677 | XX | XX | XX | 36801408 | 319008-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 677 | XX | XX | XX | 36801409 | 319008-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 677 | XX | XX | XX | 36801411 | 319008-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 677 | XX | XX | XX | 36801413 | 319008-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 677 | XX | XX | XX | 36801414 | 319008-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 677 | XX | XX | XX | 36801415 | 319008-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 677 | XX | XX | XX | 36801416 | 319008-494-2659 | 12/07/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $338,202.46 is underdisclosed from calculated Finance Charge of $338,646.59 in the amount of $444.13. | Unable to determine cause of under disclosure due to missing itemization of amount financed. | 2 | B | XX | AZ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 679 | XX | XX | XX | 36801426 | 319010-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 679 | XX | XX | XX | 36801427 | 319010-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 679 | XX | XX | XX | 36801428 | 319010-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | No | |||||||||||
| 681 | XX | XX | XX | 36801431 | 319021-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 681 | XX | XX | XX | 36801432 | 319021-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 681 | XX | XX | XX | 36801433 | 319021-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 682 | XX | XX | XX | 36801434 | 319022-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 682 | XX | XX | XX | 36801435 | 319022-494-20185 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for an open-end transaction. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 682 | XX | XX | XX | 36801436 | 319022-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 683 | XX | XX | XX | 36801437 | 319024-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NV | Primary | Purchase | B | No | |||||||||||||
| 683 | XX | XX | XX | 36801438 | 319024-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 683 | XX | XX | XX | 36801439 | 319024-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 683 | XX | XX | XX | 36801440 | 319024-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 683 | XX | XX | XX | 36801441 | 319024-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NV | Primary | Purchase | B | No | ||||||||||||
| 684 | XX | XX | XX | 36801443 | 319034-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 684 | XX | XX | XX | 36801444 | 319034-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 684 | XX | XX | XX | 36801445 | 319034-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 684 | XX | XX | XX | 36801446 | 319034-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 684 | XX | XX | XX | 36801447 | 319034-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 684 | XX | XX | XX | 36801448 | 319034-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 684 | XX | XX | XX | 36801449 | 319034-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 684 | XX | XX | XX | 36801450 | 319034-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 685 | XX | XX | XX | 36801452 | 319041-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 685 | XX | XX | XX | 36801453 | 319041-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | |||||||||||||
| 685 | XX | XX | XX | 36801454 | 319041-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 685 | XX | XX | XX | 36801456 | 319041-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 685 | XX | XX | XX | 36801457 | 319041-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 685 | XX | XX | XX | 36801458 | 319041-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 685 | XX | XX | XX | 36801459 | 319041-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 686 | XX | XX | XX | 36801460 | 319045-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 687 | XX | XX | XX | 36801462 | 319046-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $234,404.71 is underdisclosed from calculated Finance Charge of $234,667.03 in the amount of $262.32. | Disclosed payment on Note of $891.84 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 688 | XX | XX | XX | 36801463 | 319047-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 688 | XX | XX | XX | 36801464 | 319047-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 688 | XX | XX | XX | 36801465 | 319047-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 688 | XX | XX | XX | 36801466 | 319047-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 689 | XX | XX | XX | 36801468 | 319049-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 689 | XX | XX | XX | 36801469 | 319049-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 689 | XX | XX | XX | 36801470 | 319049-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 691 | XX | XX | XX | 36801472 | 319058-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 691 | XX | XX | XX | 36801473 | 319058-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 691 | XX | XX | XX | 36801474 | 319058-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 691 | XX | XX | XX | 36801475 | 319058-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 692 | XX | XX | XX | 36801477 | 319061-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 692 | XX | XX | XX | 36801478 | 319061-494-2647 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 693 | XX | XX | XX | 36801480 | 319062-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 693 | XX | XX | XX | 36801481 | 319062-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 693 | XX | XX | XX | 36801482 | 319062-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 693 | XX | XX | XX | 36801483 | 319062-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | No | |||||||||||
| 693 | XX | XX | XX | 36801484 | 319062-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 693 | XX | XX | XX | 36801485 | 319062-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | ||||||||||||
| 693 | XX | XX | XX | 36801486 | 319062-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 693 | XX | XX | XX | 36801487 | 319062-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | D | No | |||||||||||||
| 695 | XX | XX | XX | 36801488 | 319069-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 695 | XX | XX | XX | 36801489 | 319069-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 695 | XX | XX | XX | 36801490 | 319069-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 696 | XX | XX | XX | 36801492 | 319070-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. | 2 | B | XX | CA | Investment | Refinance - Cash-out - Other | B | No | ||||||||||||
| 697 | XX | XX | XX | 36801495 | 319071-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 698 | XX | XX | XX | 36801496 | 319072-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 698 | XX | XX | XX | 36801497 | 319072-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 699 | XX | XX | XX | 36801498 | 319079-494-6578 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 699 | XX | XX | XX | 36801500 | 319079-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 699 | XX | XX | XX | 36801501 | 319079-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 700 | XX | XX | XX | 36801502 | 319081-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 700 | XX | XX | XX | 36801503 | 319081-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 700 | XX | XX | XX | 36801505 | 319081-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 701 | XX | XX | XX | 36801506 | 319084-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 701 | XX | XX | XX | 36801507 | 319084-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 701 | XX | XX | XX | 36801508 | 319084-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 701 | XX | XX | XX | 36801509 | 319084-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 701 | XX | XX | XX | 36801510 | 319084-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 701 | XX | XX | XX | 36801511 | 319084-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 701 | XX | XX | XX | 36801512 | 319084-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $2,307,411.39 is underdisclosed from calculated Finance Charge of $2,307,651.75 in the amount of $240.36. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 701 | XX | XX | XX | 36801513 | 319084-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 702 | XX | XX | XX | 36801515 | 319085-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 702 | XX | XX | XX | 36801516 | 319085-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 702 | XX | XX | XX | 36801517 | 319085-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | CA | Primary | Purchase | B | No | ||||||||||||
| 702 | XX | XX | XX | 36801518 | 319085-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 704 | XX | XX | XX | 36801520 | 319107-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | 2 | B | XX | WA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 705 | XX | XX | XX | 36801522 | 319115-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 705 | XX | XX | XX | 36801523 | 319115-494-7039 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 706 | XX | XX | XX | 36801524 | 319116-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 706 | XX | XX | XX | 36801525 | 319116-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 706 | XX | XX | XX | 36801526 | 319116-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | WA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 707 | XX | XX | XX | 36801528 | 319119-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. | 2 | B | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 707 | XX | XX | XX | 36801529 | 319119-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 707 | XX | XX | XX | 36801530 | 319119-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 707 | XX | XX | XX | 36801531 | 319119-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MA | Primary | Purchase | D | No | ||||||||||||
| 707 | XX | XX | XX | 36801532 | 319119-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MA | Primary | Purchase | D | No | |||||||||||||
| 707 | XX | XX | XX | 36801533 | 319119-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MA | Primary | Purchase | D | No | |||||||||||||
| 708 | XX | XX | XX | 36801534 | 319120-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 708 | XX | XX | XX | 36801535 | 319120-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 709 | XX | XX | XX | 36801539 | 319121-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 709 | XX | XX | XX | 36801540 | 319121-496-22274 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 5% exceeds the 3% maximum for the state of MA. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | B | No | |||||||||||
| 709 | XX | XX | XX | 36801541 | 319121-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 710 | XX | XX | XX | 36801542 | 319125-496-611 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 710 | XX | XX | XX | 36801543 | 319125-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MA | Primary | Purchase | B | No | |||||||||||||
| 710 | XX | XX | XX | 36801544 | 319125-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 710 | XX | XX | XX | 36801545 | 319125-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 710 | XX | XX | XX | 36801546 | 319125-496-3953 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | MA | Primary | Purchase | B | No | ||||||||||||
| 712 | XX | XX | XX | 36801547 | 319130-496-7087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | 2 | B | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801548 | 319130-496-3063 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801549 | 319130-496-3295 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801550 | 319130-496-3297 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. | 3 | A | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801551 | 319130-496-3298 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | 3 | C | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801552 | 319130-496-3070 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 712 | XX | XX | XX | 36801553 | 319130-496-3085 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. | 2 | B | XX | RI | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 713 | XX | XX | XX | 36801556 | 319136-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 713 | XX | XX | XX | 36801557 | 319136-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 713 | XX | XX | XX | 36801558 | 319136-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 713 | XX | XX | XX | 36801559 | 319136-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CT | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 714 | XX | XX | XX | 36801561 | 319137-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 714 | XX | XX | XX | 36801562 | 319137-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CT | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 715 | XX | XX | XX | 36801563 | 319139-496-611 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 715 | XX | XX | XX | 36801564 | 319139-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 715 | XX | XX | XX | 36801566 | 319139-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 715 | XX | XX | XX | 36801567 | 319139-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 715 | XX | XX | XX | 36801568 | 319139-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 715 | XX | XX | XX | 36801569 | 319139-496-22050 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | No | |||||||||||
| 715 | XX | XX | XX | 36801570 | 319139-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $501,040.20 is underdisclosed from calculated Finance Charge of $501,092.31 in the amount of $52.11. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. | 2 | B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 716 | XX | XX | XX | 36801577 | 319143-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 716 | XX | XX | XX | 36801578 | 319143-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 716 | XX | XX | XX | 36801579 | 319143-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 716 | XX | XX | XX | 36801580 | 319143-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 716 | XX | XX | XX | 36801581 | 319143-496-7027 | 12/20/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | NJ | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 717 | XX | XX | XX | 36801583 | 319146-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 717 | XX | XX | XX | 36801584 | 319146-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | NJ | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 718 | XX | XX | XX | 36801586 | 319149-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Purchase | D | No | |||||||||||||
| 718 | XX | XX | XX | 36801587 | 319149-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 718 | XX | XX | XX | 36801588 | 319149-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Purchase | D | No | ||||||||||||
| 719 | XX | XX | XX | 36801589 | 319155-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 719 | XX | XX | XX | 36801590 | 319155-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 720 | XX | XX | XX | 36801593 | 319156-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 720 | XX | XX | XX | 36801594 | 319156-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 720 | XX | XX | XX | 36801595 | 319156-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 720 | XX | XX | XX | 36801596 | 319156-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | NY | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 720 | XX | XX | XX | 36801597 | 319156-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NY | Primary | Refinance - UTD | No Defined Cure | D | No | |||||||||||
| 720 | XX | XX | XX | 36801598 | 319156-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 720 | XX | XX | XX | 36801599 | 319156-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NY | Primary | Refinance - UTD | D | No | ||||||||||||
| 721 | XX | XX | XX | 36801602 | 319167-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 721 | XX | XX | XX | 36801607 | 319167-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 721 | XX | XX | XX | 36801609 | 319167-496-7040 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 721 | XX | XX | XX | 36801610 | 319167-496-7027 | 12/20/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | PA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 722 | XX | XX | XX | 36801611 | 319171-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 722 | XX | XX | XX | 36801612 | 319171-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 723 | XX | XX | XX | 36801613 | 319178-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | DE | Primary | Purchase | B | No | ||||||||||||
| 724 | XX | XX | XX | 36801614 | 319180-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801616 | 319190-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2011. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801621 | 319190-496-2687 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801622 | 319190-496-3078 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801623 | 319190-496-6420 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 725 | XX | XX | XX | 36801624 | 319190-496-3071 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Unable to test the Escrow Payment on the Final TIL due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801625 | 319190-496-3072 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Interest Rate Inaccurate | Unable to test Introductory Interest Rate due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801626 | 319190-496-3073 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - P&I Payment Inaccurate | Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801627 | 319190-496-3074 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801628 | 319190-496-3075 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | Incorrect TIL Form Used | Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801629 | 319190-496-3076 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - ‘No guarantee to Refinance’ Statement Missing | Truth in Lending Act (MDIA 2011): Final TIL does not contain required ‘No guarantee to Refinance’ statement. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801630 | 319190-496-3141 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801631 | 319190-496-7115 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | 2 | B | XX | MD | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a
corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | No | |||||||||||
| 725 | XX | XX | XX | 36801632 | 319190-496-18362 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801633 | 319190-496-1859 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 725 | XX | XX | XX | 36801635 | 319190-496-871 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: TIL did not reflect the required verbiage | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 726 | XX | XX | XX | 36801637 | 319193-496-2684 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 726 | XX | XX | XX | 36801638 | 319193-496-3141 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 726 | XX | XX | XX | 36801639 | 319193-496-3063 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 727 | XX | XX | XX | 36801641 | 319194-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 727 | XX | XX | XX | 36801642 | 319194-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 727 | XX | XX | XX | 36801643 | 319194-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 728 | XX | XX | XX | 36801646 | 319197-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 728 | XX | XX | XX | 36801647 | 319197-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 728 | XX | XX | XX | 36801648 | 319197-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MD | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 728 | XX | XX | XX | 36801649 | 319197-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MD | Primary | Purchase | B | No | |||||||||||||
| 728 | XX | XX | XX | 36801650 | 319197-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | MD | Primary | Purchase | B | No | ||||||||||||
| 731 | XX | XX | XX | 36801651 | 319205-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | VA | Primary | UTD - UTD | D | No | ||||||||||||
| 731 | XX | XX | XX | 36801652 | 319205-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1991 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1991. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | VA | Primary | UTD - UTD | D | No | ||||||||||||
| 731 | XX | XX | XX | 36801653 | 319205-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | VA | Primary | UTD - UTD | D | No | ||||||||||||
| 731 | XX | XX | XX | 36801655 | 319205-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | VA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 731 | XX | XX | XX | 36801656 | 319205-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1992 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | UTD - UTD | D | No | ||||||||||||
| 732 | XX | XX | XX | 36801657 | 319215-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 732 | XX | XX | XX | 36801658 | 319215-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 732 | XX | XX | XX | 36801659 | 319215-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. | 2 | B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 733 | XX | XX | XX | 36801661 | 319224-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 733 | XX | XX | XX | 36801662 | 319224-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 733 | XX | XX | XX | 36801663 | 319224-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $391,213.33 is underdisclosed from calculated Finance Charge of $392,433.70 in the amount of $1,220.37. | Disclosed payment on Note of $1488.77 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 734 | XX | XX | XX | 36801664 | 319226-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 735 | XX | XX | XX | 36801666 | 319229-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | |||||||||||||
| 735 | XX | XX | XX | 36801667 | 319229-496-5705 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | 3 | C | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 735 | XX | XX | XX | 36801668 | 319229-496-22137 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | XX | NC | Primary | Refinance - Rate/Term | C | No | ||||||||||||
| 735 | XX | XX | XX | 36801669 | 319229-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $353,457.74 is underdisclosed from calculated Finance Charge of $353,581.66 in the amount of $123.92. | TIL itemization did not include the $135 settlement fee as a prepaid finance charge. | 2 | B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | C | No | ||||||||||
| 736 | XX | XX | XX | 36801670 | 319230-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | Primary | Purchase | B | No | |||||||||||||
| 736 | XX | XX | XX | 36801671 | 319230-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 736 | XX | XX | XX | 36801672 | 319230-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 736 | XX | XX | XX | 36801673 | 319230-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NC | Primary | Purchase | B | No | ||||||||||||
| 738 | XX | XX | XX | 36801679 | 319238-496-18330 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 738 | XX | XX | XX | 36801680 | 319238-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 738 | XX | XX | XX | 36801681 | 319238-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 738 | XX | XX | XX | 36801682 | 319238-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NC | UTD | UTD - UTD | D | No | ||||||||||||
| 738 | XX | XX | XX | 36801683 | 319238-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 738 | XX | XX | XX | 36801684 | 319238-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | NC | UTD | UTD - UTD | D | No | |||||||||||||
| 739 | XX | XX | XX | 36801686 | 319243-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | D | No | ||||||||||||
| 740 | XX | XX | XX | 36801688 | 319244-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 741 | XX | XX | XX | 36801689 | 319246-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 741 | XX | XX | XX | 36801690 | 319246-496-2778 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 741 | XX | XX | XX | 36801691 | 319246-496-2783 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 741 | XX | XX | XX | 36801692 | 319246-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | SC | Primary | Refinance - Cash-out - Other | B | No | |||||||||||||
| 742 | XX | XX | XX | 36801694 | 319250-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 742 | XX | XX | XX | 36801695 | 319250-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 742 | XX | XX | XX | 36801696 | 319250-496-5662 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | SC | Primary | Purchase | B | No | ||||||||||||
| 743 | XX | XX | XX | 36801698 | 319252-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $268,797.55 is underdisclosed from calculated Finance Charge of $274,041.57 in the amount of $5,244.02. | The TIL payment stream does not match the note and FHA MI terms. The TIL reflects the first 12 payments are $1,1,162.39, the next 12 payments are $1,295.31, then 115 payments ranging between $1,435.80 and $1,420.20, and then 220 payments of $1,345.45. The note reflects being an FHA 30 year fixed with an initial P&I payment of $1,345.45, the TIL does not have an accurate payment for the first 24 months of payments as the amount disclosed is less than the P&I payment and does not account for the MI payment, for the next 115 payments it is unclear what the specific payments are and if the continual reductions in the FHA MI premium are properly accounted for as it gives a range of payments rather than a complete breakdown. | 2 | B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 744 | XX | XX | XX | 36801700 | 319253-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 744 | XX | XX | XX | 36801701 | 319253-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 745 | XX | XX | XX | 36801703 | 319257-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 745 | XX | XX | XX | 36801704 | 319257-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 747 | XX | XX | XX | 36801705 | 319268-496-6576 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | 3 | D | XX | GA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 747 | XX | XX | XX | 36801706 | 319268-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 747 | XX | XX | XX | 36801707 | 319268-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | D | No | ||||||||||||
| 748 | XX | XX | XX | 36801713 | 319269-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 748 | XX | XX | XX | 36801716 | 319269-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 748 | XX | XX | XX | 36801720 | 319269-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 748 | XX | XX | XX | 36801721 | 319269-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 748 | XX | XX | XX | 36801722 | 319269-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 748 | XX | XX | XX | 36801724 | 319269-496-2659 | 12/21/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $261,841.11 is underdisclosed from calculated Finance Charge of $265,015.04 in the amount of $3,173.93. | Unable to determine appraised value used at origination and FHA case assignment date due to missing documentation therefore monthly FHA premium is being calculated through the term of the loan. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 749 | XX | XX | XX | 36801727 | 319271-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 749 | XX | XX | XX | 36801730 | 319271-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 749 | XX | XX | XX | 36801732 | 319271-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 749 | XX | XX | XX | 36801736 | 319271-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 750 | XX | XX | XX | 36801739 | 319273-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 750 | XX | XX | XX | 36801740 | 319273-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 751 | XX | XX | XX | 36801746 | 319275-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 751 | XX | XX | XX | 36801750 | 319275-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 751 | XX | XX | XX | 36801751 | 319275-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Purchase | B | No | |||||||||||||
| 751 | XX | XX | XX | 36801755 | 319275-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | 2 | B | XX | GA | Primary | Purchase | B | No | ||||||||||||
| 752 | XX | XX | XX | 36801756 | 319283-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | |||||||||||||
| 752 | XX | XX | XX | 36801759 | 319283-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 755 | XX | XX | XX | 36801763 | 319291-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 756 | XX | XX | XX | 36801764 | 319292-496-3353 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 757 | XX | XX | XX | 36801766 | 319294-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 757 | XX | XX | XX | 36801767 | 319294-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 757 | XX | XX | XX | 36801768 | 319294-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | GA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 760 | XX | XX | XX | 36801772 | 319302-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 761 | XX | XX | XX | 36801774 | 319303-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 761 | XX | XX | XX | 36801775 | 319303-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 761 | XX | XX | XX | 36801779 | 319303-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 761 | XX | XX | XX | 36801781 | 319303-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 762 | XX | XX | XX | 36801782 | 319307-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 762 | XX | XX | XX | 36801783 | 319307-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 763 | XX | XX | XX | 36801784 | 319316-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 764 | XX | XX | XX | 36801788 | 319318-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 764 | XX | XX | XX | 36801789 | 319318-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 764 | XX | XX | XX | 36801790 | 319318-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 764 | XX | XX | XX | 36801791 | 319318-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 764 | XX | XX | XX | 36801792 | 319318-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | FL | Primary | Purchase | D | No | ||||||||||||
| 764 | XX | XX | XX | 36801794 | 319318-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 764 | XX | XX | XX | 36801795 | 319318-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 764 | XX | XX | XX | 36801798 | 319318-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided | 2 | B | XX | FL | Primary | Purchase | D | No | |||||||||||||
| 765 | XX | XX | XX | 36801799 | 319320-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. | 2 | B | XX | FL | Second Home | Refinance - Rate/Term | B | No | ||||||||||||
| 766 | XX | XX | XX | 36801800 | 319322-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 766 | XX | XX | XX | 36801801 | 319322-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 766 | XX | XX | XX | 36801802 | 319322-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $307,115.94 is underdisclosed from calculated Finance Charge of $307,390.15 in the amount of $274.21. | Disclosed payment on Note of $ $ 1,240.50 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 767 | XX | XX | XX | 36801803 | 319325-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 767 | XX | XX | XX | 36801804 | 319325-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 768 | XX | XX | XX | 36801806 | 319334-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 768 | XX | XX | XX | 36801807 | 319334-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 768 | XX | XX | XX | 36801808 | 319334-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $352,575.60 is underdisclosed from calculated Finance Charge of $353,533.92 in the amount of $958.32. | Disclosed payment on Note of $1419.31 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 769 | XX | XX | XX | 36801809 | 319337-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 769 | XX | XX | XX | 36801810 | 319337-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $276,093.95 is underdisclosed from calculated Finance Charge of $276,219.03 in the amount of $125.08. | Unable to determine under disclosure due to missing itemization of amount financed | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 769 | XX | XX | XX | 36801812 | 319337-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 770 | XX | XX | XX | 36801815 | 319340-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 770 | XX | XX | XX | 36801816 | 319340-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 770 | XX | XX | XX | 36801817 | 319340-496-2647 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | 2 | B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 770 | XX | XX | XX | 36801818 | 319340-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 770 | XX | XX | XX | 36801819 | 319340-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 770 | XX | XX | XX | 36801820 | 319340-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. | 2 | B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 772 | XX | XX | XX | 36801824 | 319348-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 772 | XX | XX | XX | 36801825 | 319348-496-2658 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 7.86400% is underdisclosed from calculated APR of 8.09658% outside of 0.125% tolerance. | 2 | B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 773 | XX | XX | XX | 36801828 | 319354-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 773 | XX | XX | XX | 36801829 | 319354-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 774 | XX | XX | XX | 36801831 | 319357-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. | 2 | B | XX | TN | Primary | Purchase | B | No | ||||||||||||
| 774 | XX | XX | XX | 36801832 | 319357-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 774 | XX | XX | XX | 36801833 | 319357-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 775 | XX | XX | XX | 36801835 | 319359-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 775 | XX | XX | XX | 36801836 | 319359-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 775 | XX | XX | XX | 36801837 | 319359-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 775 | XX | XX | XX | 36801838 | 319359-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | 2 | B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 776 | XX | XX | XX | 36801840 | 319362-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. | 2 | B | XX | MS | Primary | Refinance - UTD | D | No | ||||||||||||
| 776 | XX | XX | XX | 36801841 | 319362-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | MS | Primary | Refinance - UTD | D | No | ||||||||||||
| 776 | XX | XX | XX | 36801842 | 319362-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | MS | Primary | Refinance - UTD | D | No | ||||||||||||
| 776 | XX | XX | XX | 36801843 | 319362-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | MS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 776 | XX | XX | XX | 36801844 | 319362-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | MS | Primary | Refinance - UTD | D | No | ||||||||||||
| 776 | XX | XX | XX | 36801845 | 319362-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MS | Primary | Refinance - UTD | D | No | |||||||||||||
| 776 | XX | XX | XX | 36801846 | 319362-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | MS | Primary | Refinance - UTD | D | No | |||||||||||||
| 777 | XX | XX | XX | 36801847 | 319366-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $207,307.74 is underdisclosed from calculated Finance Charge of $207,888.69 in the amount of $580.95. | Disclosed payment on Note of $778.30 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | KY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 778 | XX | XX | XX | 36801848 | 319380-496-1973 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Unable to test Bill of Rights disclosure due to missing information. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 778 | XX | XX | XX | 36801849 | 319380-496-1976 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Unable to test Consumer Caution notice due to missing information. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 778 | XX | XX | XX | 36801850 | 319380-496-6589 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 778 | XX | XX | XX | 36801851 | 319380-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 779 | XX | XX | XX | 36801853 | 319384-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | 2 | B | XX | MI | Primary | Purchase | B | No | ||||||||||||
| 780 | XX | XX | XX | 36801854 | 319386-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | IA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 781 | XX | XX | XX | 36801856 | 319388-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 781 | XX | XX | XX | 36801857 | 319388-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $383,894.42 is underdisclosed from calculated Finance Charge of $386,582.92 in the amount of $2,688.50. | Unable to determine under disclosure due to missing itemization of amount financed | 2 | B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 782 | XX | XX | XX | 36801859 | 319390-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 782 | XX | XX | XX | 36801860 | 319390-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 783 | XX | XX | XX | 36801863 | 319392-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 784 | XX | XX | XX | 36801864 | 319394-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 784 | XX | XX | XX | 36801865 | 319394-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 784 | XX | XX | XX | 36801866 | 319394-496-6630 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at application) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 784 | XX | XX | XX | 36801867 | 319394-496-6633 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at closing) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 784 | XX | XX | XX | 36801869 | 319394-496-1986 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 785 | XX | XX | XX | 36801870 | 319399-496-7042 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 785 | XX | XX | XX | 36801871 | 319399-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 786 | XX | XX | XX | 36801874 | 319409-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 786 | XX | XX | XX | 36801875 | 319409-496-22063 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | |||||||||||
| 786 | XX | XX | XX | 36801876 | 319409-496-710 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 787 | XX | XX | XX | 36801878 | 319414-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 787 | XX | XX | XX | 36801879 | 319414-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2009. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 788 | XX | XX | XX | 36801880 | 319415-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | IL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 788 | XX | XX | XX | 36801881 | 319415-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | IL | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 788 | XX | XX | XX | 36801882 | 319415-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $638,087.68 is underdisclosed from calculated Finance Charge of $638,729.56 in the amount of $641.88. | Unable to determine under disclosure due to missing itemization of amount financed. | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 789 | XX | XX | XX | 36801886 | 319416-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | IL | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 790 | XX | XX | XX | 36801888 | 319418-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. | 2 | B | XX | IL | Primary | Purchase | B | No | ||||||||||||
| 790 | XX | XX | XX | 36801889 | 319418-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $665,346.72 is underdisclosed from calculated Finance Charge of $665,564.30 in the amount of $217.58. | Under disclosure is due to the Final Itemization of Amount Financed not reflecting an Extension fee of $175.00 | 2 | B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 791 | XX | XX | XX | 36801890 | 319425-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | MO | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 792 | XX | XX | XX | 36801891 | 319428-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1997. | 2 | B | XX | KS | Primary | Purchase | B | No | ||||||||||||
| 794 | XX | XX | XX | 36801893 | 319431-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. | 2 | B | XX | LA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 795 | XX | XX | XX | 36801894 | 319435-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. | 2 | B | XX | LA | Primary | Purchase | B | No | ||||||||||||
| 797 | XX | XX | XX | 36801896 | 319438-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 797 | XX | XX | XX | 36801897 | 319438-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 798 | XX | XX | XX | 36801898 | 319439-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 798 | XX | XX | XX | 36801899 | 319439-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 798 | XX | XX | XX | 36801900 | 319439-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 798 | XX | XX | XX | 36801901 | 319439-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 799 | XX | XX | XX | 36801902 | 319442-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 799 | XX | XX | XX | 36801903 | 319442-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 799 | XX | XX | XX | 36801904 | 319442-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 799 | XX | XX | XX | 36801905 | 319442-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 799 | XX | XX | XX | 36801906 | 319442-496-3953 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 800 | XX | XX | XX | 36801907 | 319443-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 800 | XX | XX | XX | 36801908 | 319443-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | TX | Primary | Purchase | B | No | |||||||||||||
| 801 | XX | XX | XX | 36801909 | 319467-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 801 | XX | XX | XX | 36801910 | 319467-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 803 | XX | XX | XX | 36801911 | 319470-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $251,878.19 is underdisclosed from calculated Finance Charge of $252,211.01 in the amount of $332.82. | TIL itemization did not include a closing attorney fee of $315 or recording service fee of $18 as prepaid finance charges. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 803 | XX | XX | XX | 36801912 | 319470-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 804 | XX | XX | XX | 36801913 | 319477-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 804 | XX | XX | XX | 36801914 | 319477-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 805 | XX | XX | XX | 36801916 | 319493-496-6231 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | 2 | A | XX | TX | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 805 | XX | XX | XX | 36801917 | 319493-496-6336 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | No | |||||||||||
| 805 | XX | XX | XX | 36801921 | 319493-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $109,914.58 is underdisclosed from calculated Finance Charge of $109,956.33 in the amount of $41.75. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | |||||||||||
| 806 | XX | XX | XX | 36801922 | 319502-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | TX | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 806 | XX | XX | XX | 36801923 | 319502-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $254,615.13 is underdisclosed from calculated Finance Charge of $261,566.48 in the amount of $6,951.35. | Under disclosure is due to the disclosed TIL reflecting a fixed payment for the term of the loan rather than adjusting after the first 24 months. | 2 | B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 807 | XX | XX | XX | 36801925 | 319508-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 807 | XX | XX | XX | 36801926 | 319508-496-6336 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | No | |||||||||||
| 808 | XX | XX | XX | 36801928 | 319511-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | 2 | B | XX | TX | Primary | Purchase | B | No | ||||||||||||
| 809 | XX | XX | XX | 36801930 | 319513-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | TX | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 810 | XX | XX | XX | 36801931 | 319521-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 810 | XX | XX | XX | 36801932 | 319521-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 810 | XX | XX | XX | 36801933 | 319521-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $189,086.23 is underdisclosed from calculated Finance Charge of $189,240.29 in the amount of $154.06. | Disclosed payment on Note of $88446 does not correspond with the loan amount, loan term, and interest rate on the loan. | 2 | B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | No | ||||||||||
| 811 | XX | XX | XX | 36801934 | 319526-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 811 | XX | XX | XX | 36801935 | 319526-496-6223 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 811 | XX | XX | XX | 36801936 | 319526-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 811 | XX | XX | XX | 36801937 | 319526-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 811 | XX | XX | XX | 36801938 | 319526-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 812 | XX | XX | XX | 36801940 | 319530-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 812 | XX | XX | XX | 36801941 | 319530-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 812 | XX | XX | XX | 36801942 | 319530-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 813 | XX | XX | XX | 36801944 | 319532-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 813 | XX | XX | XX | 36801945 | 319532-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Purchase | B | No | ||||||||||||
| 813 | XX | XX | XX | 36801946 | 319532-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 813 | XX | XX | XX | 36801947 | 319532-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 814 | XX | XX | XX | 36801949 | 319533-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | AZ | Primary | Refinance - UTD | D | No | |||||||||||||
| 814 | XX | XX | XX | 36801950 | 319533-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | AZ | Primary | Refinance - UTD | D | No | |||||||||||||
| 814 | XX | XX | XX | 36801951 | 319533-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | AZ | Primary | Refinance - UTD | D | No | ||||||||||||
| 814 | XX | XX | XX | 36801952 | 319533-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | AZ | Primary | Refinance - UTD | D | No | ||||||||||||
| 814 | XX | XX | XX | 36801953 | 319533-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | AZ | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 815 | XX | XX | XX | 36801954 | 319534-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 816 | XX | XX | XX | 36801956 | 319535-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 816 | XX | XX | XX | 36801957 | 319535-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 816 | XX | XX | XX | 36801958 | 319535-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 816 | XX | XX | XX | 36801959 | 319535-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 816 | XX | XX | XX | 36801960 | 319535-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 816 | XX | XX | XX | 36801961 | 319535-496-3928 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | 2 | B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 817 | XX | XX | XX | 36801962 | 319541-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | |||||||||||||
| 817 | XX | XX | XX | 36801963 | 319541-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 817 | XX | XX | XX | 36801964 | 319541-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 817 | XX | XX | XX | 36801965 | 319541-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | No | |||||||||||
| 817 | XX | XX | XX | 36801966 | 319541-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | No | |||||||||||
| 818 | XX | XX | XX | 36801972 | 319544-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | NV | Primary | Purchase | D | No | |||||||||||||
| 818 | XX | XX | XX | 36801973 | 319544-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | NV | Primary | Purchase | D | No | |||||||||||||
| 818 | XX | XX | XX | 36801979 | 319544-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | NV | Primary | Purchase | D | No | ||||||||||||
| 818 | XX | XX | XX | 36801980 | 319544-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. | 2 | B | XX | NV | Primary | Purchase | D | No | ||||||||||||
| 818 | XX | XX | XX | 36801982 | 319544-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | NV | Primary | Purchase | D | No | ||||||||||||
| 818 | XX | XX | XX | 36801983 | 319544-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | NV | Primary | Purchase | D | No | ||||||||||||
| 818 | XX | XX | XX | 36801984 | 319544-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 818 | XX | XX | XX | 36801985 | 319544-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | NV | Primary | Purchase | No Defined Cure | D | No | |||||||||||
| 818 | XX | XX | XX | 36801986 | 319544-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | NV | Primary | Purchase | D | No | ||||||||||||
| 819 | XX | XX | XX | 36801988 | 319546-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B | No | ||||||||||||
| 819 | XX | XX | XX | 36801989 | 319546-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B | No | ||||||||||||
| 819 | XX | XX | XX | 36801990 | 319546-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure | B | No | |||||||||||
| 819 | XX | XX | XX | 36801991 | 319546-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure | B | No | |||||||||||
| 820 | XX | XX | XX | 36801992 | 319547-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Investment | Refinance - Cash-out - Other | B | No | |||||||||||||
| 821 | XX | XX | XX | 36801993 | 319550-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 821 | XX | XX | XX | 36801994 | 319550-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 821 | XX | XX | XX | 36801995 | 319550-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 822 | XX | XX | XX | 36801996 | 319556-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 822 | XX | XX | XX | 36801997 | 319556-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 823 | XX | XX | XX | 36801999 | 319558-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Purchase | No Defined Cure | B | No | |||||||||||
| 824 | XX | XX | XX | 36802000 | 319561-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 824 | XX | XX | XX | 36802001 | 319561-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 824 | XX | XX | XX | 36802002 | 319561-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 825 | XX | XX | XX | 36802003 | 319562-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | B | No | ||||||||||||
| 825 | XX | XX | XX | 36802005 | 319562-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 825 | XX | XX | XX | 36802006 | 319562-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | 2 | B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure | B | No | |||||||||||
| 826 | XX | XX | XX | 36802009 | 319564-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 826 | XX | XX | XX | 36802010 | 319564-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 827 | XX | XX | XX | 36802012 | 319566-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 827 | XX | XX | XX | 36802013 | 319566-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | No | ||||||||||||
| 829 | XX | XX | XX | 36802016 | 319568-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 829 | XX | XX | XX | 36802017 | 319568-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided | 2 | B | XX | CA | Primary | UTD - UTD | D | No | |||||||||||||
| 829 | XX | XX | XX | 36802018 | 319568-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 829 | XX | XX | XX | 36802019 | 319568-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | 3 | D | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 829 | XX | XX | XX | 36802020 | 319568-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 829 | XX | XX | XX | 36802021 | 319568-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | 2 | B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | No | |||||||||||
| 829 | XX | XX | XX | 36802022 | 319568-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. | 2 | B | XX | CA | Primary | UTD - UTD | D | No | ||||||||||||
| 831 | XX | XX | XX | 36802024 | 319572-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 831 | XX | XX | XX | 36802025 | 319572-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | B | No | ||||||||||||
| 831 | XX | XX | XX | 36802026 | 319572-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 831 | XX | XX | XX | 36802027 | 319572-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 2 | B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | No | |||||||||||
| 832 | XX | XX | XX | 36802028 | 319576-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties | 2 | B | XX | CA | Primary | Purchase | B | No | |||||||||||||
| 832 | XX | XX | XX | 36802029 | 319576-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | 2 | B | XX | CA | Primary | Purchase | B | No |