Exhibit 99.2 Schedule 1

 

Exception Level
Run Date - 1/20/2025
Marketing id Recovco Loan ID Loan # 1 Loan # 2 Loan # 3 SBO Id Exception Category Exception Sub-Category Exception Status Exception Grade Loan Exception ID Exception Exception Detail Exception Information Compensating Factors Seller Comments Reviewer Comments Exception Remediation
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
90 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 3VB30IG1ISP-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
90 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3VB30IG1ISP-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
90 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 3VB30IG1ISP-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2)
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
90 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3VB30IG1ISP-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
90 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-OPN6CQBU Application Missing * Application Missing (Lvl 2)
90 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3VB30IG1ISP-7CA29VFR Init. Escrow Acct Disc missing; loan has escrows * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)
93 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 2DPOUIT13Y2-HZ5671LK Missing Doc * Missing Doc (Lvl 2) The loan file is missing the 2nd lien note for $XX per the loan approval on page 297.
93 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2DPOUIT13Y2-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2) The loan file is missing the loan modification.
122 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 32SWH5J4FXX-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
122 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 32SWH5J4FXX-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
122 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 32SWH5J4FXX-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The loan is missing the initial and final notice of servicing transfer.
129 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KZ0E1SHWVSQ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
129 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings KZ0E1SHWVSQ-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
129 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KZ0E1SHWVSQ-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
129 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KZ0E1SHWVSQ-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
129 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KZ0E1SHWVSQ-OPN6CQBU Application Missing * Application Missing (Lvl 2)
237 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2EUHPNVPQ2O-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
237 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2EUHPNVPQ2O-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file is missing the Interest First ARM Disclosure.
237 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2EUHPNVPQ2O-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
237 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2EUHPNVPQ2O-X23FZWUT Disclosures * Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2)
237 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2EUHPNVPQ2O-OPN6CQBU Application Missing * Application Missing (Lvl 2)
18 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4OUHQBRNMP1-OPN6CQBU Application Missing * Application Missing (Lvl 2)
18 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4OUHQBRNMP1-S0H46YO7 Missing required 1-4 family rider * Missing required 1-4 family rider (Lvl 2)
18 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 4OUHQBRNMP1-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
18 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 4OUHQBRNMP1-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
20 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TQ5UKH3WMLT-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
20 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TQ5UKH3WMLT-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
20 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TQ5UKH3WMLT-OPN6CQBU Application Missing * Application Missing (Lvl 2)
21 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XWAC4H23PIW-S0H46YO7 Missing required 1-4 family rider * Missing required 1-4 family rider (Lvl 2)
21 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XWAC4H23PIW-OPN6CQBU Application Missing * Application Missing (Lvl 2)
21 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings XWAC4H23PIW-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
21 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XWAC4H23PIW-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The loan file did not contain the servicing disclosure.
21 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings XWAC4H23PIW-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
23 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 13RLN25AG0S-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the appraisal.
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
34 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2S2W04HQSND-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
34 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2S2W04HQSND-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
34 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2S2W04HQSND-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-OPN6CQBU Application Missing * Application Missing (Lvl 2)
34 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2S2W04HQSND-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file did not contain the loan program disclosure; loan was ARM with PPP.
34 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2S2W04HQSND-X23FZWUT Disclosures * Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) The loan file did not contain the CHARM Booklet and loan was ARM.
59 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NBKBXAOZVJ3-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
59 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings NBKBXAOZVJ3-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) "Risk Based Pricing" Notice missing.
59 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NBKBXAOZVJ3-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
59 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings NBKBXAOZVJ3-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
59 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NBKBXAOZVJ3-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
62 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.
62 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.
62 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
62 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
62 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
62 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3Q0HQ0K3KSA-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2000 and transaction funded on 2/XX/2000. The funding date could not be prior to 2/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
73 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 41SK1HGG455-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
73 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 41SK1HGG455-GWM0NAOS ComplianceEase TRID Tolerance Test Failed #2 * ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2005 and transaction funded on 8/XX/2005. The funding date could not be prior to 8/XX/2005. The statute of limitation has expired; downgraded based on client's profile.
73 XX XX XX XX XX Valuation Property Active 2: Acceptable with Warnings 41SK1HGG455-78MB1MM4 Property is Manufactured Housing * Property is Manufactured Housing (Lvl 2)
73 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41SK1HGG455-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2)
73 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 41SK1HGG455-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
73 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings 41SK1HGG455-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
73 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 41SK1HGG455-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
73 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 41SK1HGG455-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $61,873.92. The disclosed finance charge of $51,932.00 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition the loan failed the TILA APR Test: This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.592%. The disclosed APR of 7.576% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TOS43ZY53FM-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/1996 and transaction funded on 1/XX/1996. The funding date could not be prior to 2/XX/1996. The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TOS43ZY53FM-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TOS43ZY53FM-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TOS43ZY53FM-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings TOS43ZY53FM-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TOS43ZY53FM-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
79 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings QADILGTYNGG-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
79 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QADILGTYNGG-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile.
79 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QADILGTYNGG-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
79 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings QADILGTYNGG-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
79 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings QADILGTYNGG-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
79 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QADILGTYNGG-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
79 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QADILGTYNGG-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/1994 and transaction funded on 6/XX/1994. The funding date could not be prior to 7/XX/1994. The statute of limitation has expired; downgraded based on client's profile. "
80 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings H5VM25L3DBG-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 4.5% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-U1LRMV3I Missing credit report * Missing credit report (Lvl 2) The file is missing the credit report.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-OPN6CQBU Application Missing * Application Missing (Lvl 2) The file is missing the initial loan application.
80 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the appraisal.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The file is missing the notice of servicing transfer.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment rider to the mortgage.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2) The file is missing the title report.
80 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings H5VM25L3DBG-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile.
83 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
83 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings Q1QFM3BLBMJ-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Pre-payment Rider.
83 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
83 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings Q1QFM3BLBMJ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
83 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings Q1QFM3BLBMJ-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The TIL is missing. The APR of 14.900% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The statute of limitations has expired downgraded based on Client Compliance Profile.
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
83 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Q1QFM3BLBMJ-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2) The Title Policy is missing.
94 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TDRPJ0P2GUA-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
94 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings TDRPJ0P2GUA-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
94 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TDRPJ0P2GUA-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
94 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TDRPJ0P2GUA-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
94 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TDRPJ0P2GUA-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
101 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings GW2RPE24ZD0-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2) The file is missing the title report.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The file is missing the Notice of Servicing Transfer.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-U1LRMV3I Missing credit report * Missing credit report (Lvl 2) The file is missing the credit report.
101 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings GW2RPE24ZD0-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $306,352.52. The disclosed finance charge of $298,469.69 is not considered accurate because it is understated by more than $100. The loan data finance charge is $298,469.69 and the comparison data finance charge is $306,252.52 for a variance of $7,782.83. The statute of limitation has expired; downgraded based on client's profile.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-OPN6CQBU Application Missing * Application Missing (Lvl 2) The file is missing the Initial Loan Application.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment rider to the mortgage.
101 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The Adjustable Rate Mortgage Loan Program Disclosure is missing.
101 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings GW2RPE24ZD0-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the appraisal.
123 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings MXLXYM4M3FC-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile.
123 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the Appraisal.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-OPN6CQBU Application Missing * Application Missing (Lvl 2) The file is missing the Initial Loan Application.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The file is missing the Notice of Servicing Transfer.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2) The file is missing the Title Report.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-U1LRMV3I Missing credit report * Missing credit report (Lvl 2) The file is missing the Credit Report.
123 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MXLXYM4M3FC-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The Adjustable Rate Mortgage Loan Program Disclosure is missing.
146 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ASVAEBPIVDM-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
146 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings ASVAEBPIVDM-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
146 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings ASVAEBPIVDM-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $409,443.97. The disclosed finance charge of $409,329.15 is not considered accurate because it is understated by more than $100. The loan data reflects $409,329.15 whereas the max allowed is $409,443.97 resulting in an under disclosed amount of $114.82. The statute of limitations has expired downgraded based on Client Compliance Profile.
146 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ASVAEBPIVDM-OPN6CQBU Application Missing * Application Missing (Lvl 2)
146 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ASVAEBPIVDM-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
147 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5XAKJK10OSC-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
147 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5XAKJK10OSC-OPN6CQBU Application Missing * Application Missing (Lvl 2)
147 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 5XAKJK10OSC-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
147 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5XAKJK10OSC-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
147 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5XAKJK10OSC-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
152 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0N3DAPVPCCC-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
152 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0N3DAPVPCCC-OPN6CQBU Application Missing * Application Missing (Lvl 2)
152 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 0N3DAPVPCCC-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
152 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0N3DAPVPCCC-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
162 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings CCD3QXJWRHP-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
162 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings CCD3QXJWRHP-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
162 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings CCD3QXJWRHP-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
176 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1C4J1B5ADXF-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
176 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 1C4J1B5ADXF-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
176 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1C4J1B5ADXF-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
188 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ES10EBBPA2X-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The loan file did not contain the Notice of Servicing Transfer Dislcosure
188 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ES10EBBPA2X-OPN6CQBU Application Missing * Application Missing (Lvl 2)
188 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ES10EBBPA2X-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
188 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ES10EBBPA2X-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file did contain the loan program disclosure was an ARM loan with PPP
197 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings OXVEFSLIO1Y-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
200 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KW3SRTATV3R-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
200 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings KW3SRTATV3R-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
212 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JUAHP4M1FSR-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
212 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JUAHP4M1FSR-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file did contain the loan program disclosure was an ARM with PPP
220 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WCT1JON1QM3-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
220 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WCT1JON1QM3-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
220 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WCT1JON1QM3-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2)
220 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WCT1JON1QM3-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
226 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings BXOCTK23HSU-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
226 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BXOCTK23HSU-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
226 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BXOCTK23HSU-OPN6CQBU Application Missing * Application Missing (Lvl 2)
227 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 0B14RG5UL2C-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
227 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0B14RG5UL2C-7CA29VFR Init. Escrow Acct Disc missing; loan has escrows * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)
227 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0B14RG5UL2C-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
227 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 0B14RG5UL2C-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
227 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0B14RG5UL2C-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
234 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WK1ZMU1L3NI-74BCC4X7 Mortgage - Missing required ARM Rider * Mortgage - Missing required ARM Rider (Lvl 2)
234 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WK1ZMU1L3NI-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
234 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WK1ZMU1L3NI-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
234 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WK1ZMU1L3NI-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
234 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WK1ZMU1L3NI-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2)
236 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5R0WVJ1RGFC-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
236 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 5R0WVJ1RGFC-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
244 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings CQGNKQ1NPWS-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
244 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings CQGNKQ1NPWS-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
244 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings CQGNKQ1NPWS-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
253 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings PP2LL3GESKX-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
253 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PP2LL3GESKX-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
253 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PP2LL3GESKX-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
253 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PP2LL3GESKX-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
253 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings PP2LL3GESKX-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
253 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings PP2LL3GESKX-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
258 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 30BRMZL13ZK-9ZZ18NGR Balloon Rider Missing * Balloon Rider Missing (Lvl 2)
258 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 30BRMZL13ZK-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
258 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 30BRMZL13ZK-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
265 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings IHCXRAOXDXQ-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
265 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings IHCXRAOXDXQ-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.528%. The disclosed APR of 7.990% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
269 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UC1TWER0XI0-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
269 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings UC1TWER0XI0-GXOVNRMB ComplianceEase RESPA Test Incomplete * ComplianceEase RESPA Test Incomplete (Lvl 2)
269 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings UC1TWER0XI0-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
271 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0RZHVCG5UO0-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file did not contain the initial loan program disclosure dated 6/XX/2006; loan was ARM with PPP.
271 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0RZHVCG5UO0-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The loan file did not contain the initial notice of servicing transfer dated 6/XX/2006.
271 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 0RZHVCG5UO0-X23FZWUT Disclosures * Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) The loan file did not contain the CHARM Booklet and loan was ARM.
271 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0RZHVCG5UO0-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The note reflects a prepayment penalty, however, the loan file is missing the prepayment penalty rider to the mortgage.
271 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0RZHVCG5UO0-OPN6CQBU Application Missing * Application Missing (Lvl 2)
271 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 0RZHVCG5UO0-F5KBXJVS Special information booklet is Missing * Special information booklet is Missing (Lvl 2) The loan file is missing the Buying Your Home: Settlement Costs and Helpful Information booklet for purchases.
271 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 0RZHVCG5UO0-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the initial TIL disclosure date test due to the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and
The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Saturday As not being open on Sunday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. The statute of limitations has expired downgraded based on Client Compliance Profile.
280 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings D4VEQZMNPLK-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
280 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings D4VEQZMNPLK-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
280 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings D4VEQZMNPLK-GXOVNRMB ComplianceEase RESPA Test Incomplete * ComplianceEase RESPA Test Incomplete (Lvl 2)
281 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 01E2XOZTOSI-OPN6CQBU Application Missing * Application Missing (Lvl 2) The loan file is missing the initial application.
281 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 01E2XOZTOSI-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
281 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 01E2XOZTOSI-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
284 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QALSKNAEZ2D-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2)
284 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings QALSKNAEZ2D-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
284 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QALSKNAEZ2D-OPN6CQBU Application Missing * Application Missing (Lvl 2)
286 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings LTM4TECUCXG-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
286 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings LTM4TECUCXG-7W1GRWVR Loan appears modified. Mod missing or unexecuted * Loan appears modified. Mod missing or unexecuted (Lvl 2)
286 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings LTM4TECUCXG-GXOVNRMB ComplianceEase RESPA Test Incomplete * ComplianceEase RESPA Test Incomplete (Lvl 2)
286 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings LTM4TECUCXG-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
286 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings LTM4TECUCXG-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
121 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings MBOAGRQ4GZG-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
239 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings VRCVVQ40HVD-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
239 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings VRCVVQ40HVD-X23FZWUT Disclosures * Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2)
239 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VRCVVQ40HVD-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
31 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YY1CCU4N33H-7CA29VFR Init. Escrow Acct Disc missing; loan has escrows * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)
31 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YY1CCU4N33H-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
31 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YY1CCU4N33H-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The loan file did not contain a loan program disclosure with a prepayment penalty provision.
31 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings YY1CCU4N33H-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
31 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YY1CCU4N33H-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
31 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YY1CCU4N33H-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
68 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AQXTJYPXSPZ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
68 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AQXTJYPXSPZ-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
287 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NO5ULBCOYTY-8R4R1817 Credit score not provided * Credit score not provided (Lvl 2)
287 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NO5ULBCOYTY-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
287 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings NO5ULBCOYTY-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
288 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MSKLYJTCLIY-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Prepayment Rider.
288 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings MSKLYJTCLIY-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
288 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings MSKLYJTCLIY-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
289 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2LGS1OQZCWH-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
290 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings N3I4C553RPD-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
291 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TZD5KFXEYTG-X23FZWUT Disclosures * Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2)
291 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TZD5KFXEYTG-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.
291 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TZD5KFXEYTG-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
292 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DHY0EJL4ZDW-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment rider to the mortgage.
292 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DHY0EJL4ZDW-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date.
292 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings DHY0EJL4ZDW-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
294 XX XX XX XX XX Compliance Compliance Resolved Resolved 41XUD4VIKWQ-TRKLWKHN ComplianceEase Risk Indicator is "Moderate" * ComplianceEase Risk Indicator is "Moderate" (Lvl R) To be resolved.
294 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41XUD4VIKWQ-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
294 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41XUD4VIKWQ-7XL1EDMH Required Affiliated Business Disclosure missing/un * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)
294 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41XUD4VIKWQ-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
294 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41XUD4VIKWQ-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2)
294 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 41XUD4VIKWQ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
294 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 41XUD4VIKWQ-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end Open-end The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired downgraded based on Client Compliance Profile.
295 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TMREOIBBAAB-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Pre-payment Rider.
295 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TMREOIBBAAB-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
295 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TMREOIBBAAB-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile.
296 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings A5Z0G2CU0BS-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
297 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KWDLY25YD5Q-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
297 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KWDLY25YD5Q-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Pre-payment Rider.
297 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KWDLY25YD5Q-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
297 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings KWDLY25YD5Q-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.
297 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings KWDLY25YD5Q-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
297 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings KWDLY25YD5Q-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
297 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KWDLY25YD5Q-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings S5Z1RHLASLG-GWM0NAOS ComplianceEase TRID Tolerance Test Failed #2 * ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) The loan is an HPML and it meets the Escrow and Appraisal Requirements.
Dropped XX XX XX XX XX Compliance Disclosures Active 2: Acceptable with Warnings S5Z1RHLASLG-BNMOTPNR Disclosures * Homeownership Counseling List (Lvl 2) The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 8/XX/2016.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings S5Z1RHLASLG-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Compliance Disclosures Active 2: Acceptable with Warnings S5Z1RHLASLG-3LSSZ104 App on/after 2010 & Svc Provider List is Missing * Application on/after 2010 and Service Provider List is Missing (Lvl 2) The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL.
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings S5Z1RHLASLG-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
301 XX XX XX XX XX Compliance Compliance Resolved Resolved G21XFFZOND0-GXOVNRMB ComplianceEase RESPA Test Incomplete * ComplianceEase RESPA Test Incomplete (Lvl R)
301 XX XX XX XX XX Compliance Compliance Resolved Resolved G21XFFZOND0-J3GKFTVC ComplianceEase Exceptions Test Incomplete * ComplianceEase Exceptions Test Incomplete (Lvl R)
301 XX XX XX XX XX Credit Doc Issue Resolved Resolved G21XFFZOND0-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl R)
301 XX XX XX XX XX Credit Doc Issue Resolved Resolved G21XFFZOND0-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl R)
301 XX XX XX XX XX Credit Doc Issue Resolved Resolved G21XFFZOND0-7XL1EDMH Required Affiliated Business Disclosure missing/un * Required Affiliated Business Disclosure missing/unexecuted (Lvl R)
301 XX XX XX XX XX Credit Doc Issue Resolved Resolved G21XFFZOND0-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl R)
301 XX XX XX XX XX Compliance Compliance Resolved Resolved G21XFFZOND0-X3AM5KS9 ComplianceEase State Regulations Test Incomplete * ComplianceEase State Regulations Test Incomplete (Lvl R)
302 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 4OFSB4HJB2X-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2AD5T0JTQWO-J7TGAXRN Initial Truth in Lending Disclosure is Missing * Initial Truth in Lending Disclosure is Missing (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2AD5T0JTQWO-U4SHPKU0 Initial Good Faith Estimate is Missing * Initial Good Faith Estimate is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2AD5T0JTQWO-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Compliance Disclosures Active 2: Acceptable with Warnings 2AD5T0JTQWO-3LSSZ104 App on/after 2010 & Svc Provider List is Missing * Application on/after 2010 and Service Provider List is Missing (Lvl 2) The Service Provider List is missing.
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 2AD5T0JTQWO-GWM0NAOS ComplianceEase TRID Tolerance Test Failed #2 * ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) This loan failed the HOEPA higher-priced mortgage loan test. ( 12 CFR §1026.35(a)(1) , transferred from 12 CFR §226.35(a)(1) as enacted in 2008 ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher priced mortgage loans even if the additional conditions are met. The loan is higher-priced and it meets requirements.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2AD5T0JTQWO-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings DZA0MBVIEIZ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings DZA0MBVIEIZ-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings DZA0MBVIEIZ-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $52,952.30. The disclosed finance charge of $39,000.00 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DZA0MBVIEIZ-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DZA0MBVIEIZ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings QQ'>Higher-Priced Mortgage Loan * Higher-Priced Mortgage Loan (Lvl 2) Higher Priced transactions require a written appraisal.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QQ'>Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QQ'>Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings QQ'>Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings ZG0I5B3Z3MQ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings COFVDZE03U5-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings COFVDZE03U5-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings COFVDZE03U5-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings COFVDZE03U5-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PS5GKPMLUOX-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PS5GKPMLUOX-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings PS5GKPMLUOX-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings PS5GKPMLUOX-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UGK11GXMC1V-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UGK11GXMC1V-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings UGK11GXMC1V-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 55MORJC4NJ2-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 55MORJC4NJ2-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 55MORJC4NJ2-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings YPMZNEAMWCW-KI6RIVER Higher-Priced Mortgage Loan * Higher-Priced Mortgage Loan (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( 12 CFR §1026.43(b)(4), (e)(1) ) This loan does not qualify for a safe harbor. The loan has an APR of 6.510%. The APR threshold to qualify for a safe harbor is 4.880%. The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YPMZNEAMWCW-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AFLPXC43RWN-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings AFLPXC43RWN-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AFLPXC43RWN-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AFLPXC43RWN-OPN6CQBU Application Missing * Application Missing (Lvl 2)
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings AFLPXC43RWN-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YINOBJZ40RA-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YINOBJZ40RA-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YINOBJZ40RA-OPN6CQBU Application Missing * Application Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings YINOBJZ40RA-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DQHRTK3JDXH-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DQHRTK3JDXH-OPN6CQBU Application Missing * Application Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings DQHRTK3JDXH-PXITUQYJ 1003 Application [information not provide] * 1003 Application [information not provide] (Lvl 2) The initial 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DQHRTK3JDXH-EXSOIS8W Mortgage missing / unexecuted * Mortgage missing / unexecuted (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings DQHRTK3JDXH-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings DQHRTK3JDXH-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings APFOK1AG5HM-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings APFOK1AG5HM-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UELGIO04YIJ-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings UELGIO04YIJ-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings UELGIO04YIJ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings BU11ZDFU5K3-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BU11ZDFU5K3-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BU11ZDFU5K3-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
303 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5QRGBUVUMC0-EXSOIS8W Mortgage missing / unexecuted * Mortgage missing / unexecuted (Lvl 2)
303 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 5QRGBUVUMC0-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
303 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5QRGBUVUMC0-8R4R1817 Credit score not provided * Credit score not provided (Lvl 2)
303 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5QRGBUVUMC0-9ZZ18NGR Balloon Rider Missing * Balloon Rider Missing (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3IWLQ04MXWT-KI6RIVER Higher-Priced Mortgage Loan * Higher-Priced Mortgage Loan (Lvl 2) The loan is QM higher-priced. The statue of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3IWLQ04MXWT-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3IWLQ04MXWT-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0DDAZ135NR3-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 0DDAZ135NR3-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0DDAZ135NR3-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
Dropped XX XX XX XX XX Credit Disclosures Active 2: Acceptable with Warnings UVJ42JX2MBE-4HBCUSII App on/after 1/XX/2014 HOC Disc not in file * Application on/after 2014 and Homeownership Counseling Disc is not in file (Lvl 2) Homeownership Counseling Disclosure is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UVJ42JX2MBE-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings UVJ42JX2MBE-GWM0NAOS ComplianceEase TRID Tolerance Test Failed #2 * ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) The loan is an HPML and it meets the Escrow and Appraisal Requirements. The statute of limitations has expired; downgraded based on Client Compliance Profile.
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings UVJ42JX2MBE-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Compliance Disclosures Active 2: Acceptable with Warnings UVJ42JX2MBE-3LSSZ104 App on/after 2010 & Svc Provider List is Missing * Application on/after 2010 and Service Provider List is Missing (Lvl 2) Service Provider List is Missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2K3J2BL1SQO-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2K3J2BL1SQO-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
305 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BQ5TLFCACNP-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial loan application is missing from the file.
305 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings BQ5TLFCACNP-J67UPU9C Final Application is missing * Final Application is missing (Lvl 2) The final loan application is missing from the file.
307 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings PQ3ORFXKK5W-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
307 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PQ3ORFXKK5W-OPN6CQBU Application Missing * Application Missing (Lvl 2) The Final application is missing.
307 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings PQ3ORFXKK5W-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate because it is understated by more than $100. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 11.783%. The disclosed APR of 10.185% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.
This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding Date is missing.
308 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings NG1KR0CXKNS-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
308 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NG1KR0CXKNS-OPN6CQBU Application Missing * Application Missing (Lvl 2) The Final Application is missing.
308 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings NG1KR0CXKNS-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate because it is understated by more than $100. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.
This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 12.340%. The disclosed APR of 10.221% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.
This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding date is missing from the file.
309 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings X1I4VOYHVQ0-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $90,680.16. The disclosed finance charge of $71,245.23 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, this loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 11.583%. The disclosed APR of 10.035% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The statute of limitation has expired; downgraded based on client's profile.
309 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings X1I4VOYHVQ0-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
309 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X1I4VOYHVQ0-OPN6CQBU Application Missing * Application Missing (Lvl 2)
309 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X1I4VOYHVQ0-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
309 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X1I4VOYHVQ0-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
309 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X1I4VOYHVQ0-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
309 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X1I4VOYHVQ0-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2006 and transaction funded on 7/XX/2006. The funding date could not be prior to 7/XX/2006. The statute of limitation has expired; downgraded based on client's profile.
310 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings XHBOC0XPXGM-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
310 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings XHBOC0XPXGM-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 9/XX/2006 and transaction funded on 9/XX/2006. The funding date could not be prior to 9/XX/2006. The statute of limitation has expired; downgraded based on client's profile.
310 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XHBOC0XPXGM-OPN6CQBU Application Missing * Application Missing (Lvl 2)
311 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings GT0MXSE5O1M-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
311 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings GT0MXSE5O1M-OPN6CQBU Application Missing * Application Missing (Lvl 2) The 1003 is missing.
311 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings GT0MXSE5O1M-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.
The statute of limitation has expired; downgraded based on client's profile.
Additionally,
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
312 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 3M1KA5KZFAA-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
312 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3M1KA5KZFAA-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
312 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3M1KA5KZFAA-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $63,140.51. The disclosed finance charge of $53,846.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.693%. The disclosed APR of 8.707% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client’s profile.
312 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3M1KA5KZFAA-4K3ADRIW Credit report >90 days old at closing * Credit report >90 days old at closing (Lvl 2)
313 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings EBKM3SRBQQJ-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Funding/Disbursement Date is missing from the file.
313 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EBKM3SRBQQJ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The final 1003 is missing.
314 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings G1YKK524DW1-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 09/XX/2007 and transaction funded on 09/XX/2007. The funding date could not be prior to 09/XX/2007. The statute of limitation has expired; downgraded based on client's profile.
314 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings G1YKK524DW1-OPN6CQBU Application Missing * Application Missing (Lvl 2) All 1003 Application Missing.
314 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings G1YKK524DW1-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
316 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings RE5UZ50ZYZB-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2008 and transaction funded on 3/XX/2008. The funding date could not be prior to 3/XX/2008. The statute of limitation has expired; downgraded based on client's profile.
316 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings RE5UZ50ZYZB-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
316 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings RE5UZ50ZYZB-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
316 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings RE5UZ50ZYZB-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings R1NOYLVHMPF-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings R1NOYLVHMPF-OPN6CQBU Application Missing * Application Missing (Lvl 2)
317 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ZUIQDUEETW0-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
317 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings ZUIQDUEETW0-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
317 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings ZUIQDUEETW0-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
317 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ZUIQDUEETW0-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
317 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZUIQDUEETW0-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
318 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0YIEMFJS0F3-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
318 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 0YIEMFJS0F3-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
318 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 0YIEMFJS0F3-OPN6CQBU Application Missing * Application Missing (Lvl 2) All 1003 are missing.
319 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings Z53DGHEDBF0-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
319 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings Z53DGHEDBF0-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.
319 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings Z53DGHEDBF0-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
319 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings Z53DGHEDBF0-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
320 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MK5DKOUKQKS-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
320 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings MK5DKOUKQKS-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
320 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MK5DKOUKQKS-7CA29VFR Init. Escrow Acct Disc missing; loan has escrows * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. Per (§ 3500.17(g)) the servicer must submit an initial escrow account statement to the borrower at settlement or within forty-five calendar days of settlement for escrow accounts that are established as a condition of the loan.
320 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings MK5DKOUKQKS-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
322 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings KYZAAW5EKMW-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
322 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KYZAAW5EKMW-8R4R1817 Credit score not provided * Credit score not provided (Lvl 2) There was no Credit Score provided for Borrower #2.
323 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings RMQVODMPHVH-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
323 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings RMQVODMPHVH-S0H46YO7 Missing required 1-4 family rider * Missing required 1-4 family rider (Lvl 2)
324 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings KEI01MSJJAE-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
324 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings KEI01MSJJAE-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile. "
324 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KEI01MSJJAE-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
324 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings KEI01MSJJAE-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
324 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KEI01MSJJAE-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
325 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings XGIYM1GO213-ZA49MT6Q ComplianceEase Risk Indicator is "Elevated" * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met.
326 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings ZSH2GVKASSD-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
326 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZSH2GVKASSD-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
326 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings ZSH2GVKASSD-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $463,572.68. The disclosed finance charge of $453,682.62 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.
326 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZSH2GVKASSD-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
326 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZSH2GVKASSD-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
326 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ZSH2GVKASSD-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile.
327 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings A2SC2SSLZ1R-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
327 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings A2SC2SSLZ1R-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
327 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings A2SC2SSLZ1R-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
329 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings D4L2KIZWQX4-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
329 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings D4L2KIZWQX4-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
329 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings D4L2KIZWQX4-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-U1LRMV3I Missing credit report * Missing credit report (Lvl 2) The Credit Report is missing.
330 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2B2442LUBGE-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-OPN6CQBU Application Missing * Application Missing (Lvl 2) Missing the Initial Application and the Final Application.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The ARM Loan Program Disclosure is missing.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower(s). Statute of limitation has expired; downgraded based on client's profile.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2002 and transaction funded on 6/XX/2002. The funding date could not be prior to 6/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
330 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 10.521% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
330 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 2B2442LUBGE-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The Appraisal is missing.
331 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings W23DESN52LB-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
331 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings W23DESN52LB-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
331 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings W23DESN52LB-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.
331 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings W23DESN52LB-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
331 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings W23DESN52LB-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
332 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NZ1MBXY4Y3I-OPN6CQBU Application Missing * Application Missing (Lvl 2) The final 1003 is missing.
332 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings NZ1MBXY4Y3I-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $288,717.64. The disclosed finance charge of $212,629.15 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The finance charge is understated by $75,343.01. In addition, the loan fails the TILA APR Test. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.524%. The disclosed APR of 7.942% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: $75,988.49. The statute of limitations has expired; downgraded based on client’s profile.
332 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NZ1MBXY4Y3I-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
332 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NZ1MBXY4Y3I-8R4R1817 Credit score not provided * Credit score not provided (Lvl 2)
332 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings NZ1MBXY4Y3I-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" is missing from the loan file.
332 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings NZ1MBXY4Y3I-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
334 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings FU0ZNBSTYBI-OPN6CQBU Application Missing * Application Missing (Lvl 2)
334 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings FU0ZNBSTYBI-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
334 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings FU0ZNBSTYBI-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 8/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
335 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WMRPDCLNEWL-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
335 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WMRPDCLNEWL-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
335 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WMRPDCLNEWL-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
335 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WMRPDCLNEWL-L3H19CW0 TIL not hand dated * TIL not hand dated (Lvl 2) The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
335 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WMRPDCLNEWL-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
335 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WMRPDCLNEWL-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $190,433.50. The disclosed finance charge of $176,178.32 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3F1DQCNIF45-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3F1DQCNIF45-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 3F1DQCNIF45-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3F1DQCNIF45-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3F1DQCNIF45-OPN6CQBU Application Missing * Application Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3F1DQCNIF45-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
Dropped XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 3F1DQCNIF45-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The ROR is missing. This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
336 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings ARRFLYTF35X-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $217,893.25. The disclosed finance charge of $165,621.51 is not considered accurate because it is understated by more than $100. In addition, this loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 7.474%. The disclosed APR of 6.156% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: Loan Origination Fee ($11,715.00). The statute of limitations has expired; downgraded based on client’s profile.
336 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ARRFLYTF35X-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred on 3/XX/2005 and transaction funded on 3/XX/2005. The funding date could not be prior to 3/XX/2005. The statute of limitation has expired; downgraded based on client's profile.
336 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings ARRFLYTF35X-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
336 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ARRFLYTF35X-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
336 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ARRFLYTF35X-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" and the "Notice to Home Loan Applicant" Notice are missing from the loan file.
337 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 5UGN5XC4Q2P-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
337 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5UGN5XC4Q2P-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
337 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 5UGN5XC4Q2P-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
337 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings 5UGN5XC4Q2P-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice and missing from the loan file.
337 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 5UGN5XC4Q2P-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
338 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2QGMAUPZGVD-OPN6CQBU Application Missing * Application Missing (Lvl 2) 1003 Application missing.
338 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2QGMAUPZGVD-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
338 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2QGMAUPZGVD-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2001 and transaction funded on 02/XX/2001. The funding date could not be prior to 02/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
339 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings NYIGM3UQOCU-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $136,216.03. The disclosed finance charge of $136,096.26 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
339 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NYIGM3UQOCU-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The Final TIL is not signed by the borrower.
339 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NYIGM3UQOCU-OPN6CQBU Application Missing * Application Missing (Lvl 2) The Final Application at Closing is missing.
339 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NYIGM3UQOCU-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2000 and transaction funded on 5/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
339 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings NYIGM3UQOCU-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
340 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
340 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings JWCMNZNQNRZ-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
340 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
340 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
340 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrowers'. The statute of limitation has expired; downgraded based on client's profile.
340 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
340 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings JWCMNZNQNRZ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
340 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings JWCMNZNQNRZ-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from
340 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings JWCMNZNQNRZ-ALRISXDQ ComplianceEase State Regulations Test Failed * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test due to one of the following findings: (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate,
340 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings JWCMNZNQNRZ-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
341 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings PFMFS1KXE0M-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
341 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PFMFS1KXE0M-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
341 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings PFMFS1KXE0M-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 12.941%. The disclosed APR of 14.890% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client’s profile.
341 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PFMFS1KXE0M-OPN6CQBU Application Missing * Application Missing (Lvl 2) 1003 Application missing.
341 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PFMFS1KXE0M-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 14.890 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
341 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PFMFS1KXE0M-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
342 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings VNVVZAGU44M-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
342 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VNVVZAGU44M-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2000 and transaction funded on 4/XX/2000. The funding date could not be prior to 4/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
342 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings VNVVZAGU44M-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
342 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings VNVVZAGU44M-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
342 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VNVVZAGU44M-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
342 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VNVVZAGU44M-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
343 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings C4IL45Z3PJA-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
343 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings C4IL45Z3PJA-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
343 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings C4IL45Z3PJA-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
343 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings C4IL45Z3PJA-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2002 and transaction funded on 2/XX/2002. The funding date could not be prior to 2/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
344 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YJIANECHO5G-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
344 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings YJIANECHO5G-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
344 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings YJIANECHO5G-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
344 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YJIANECHO5G-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
344 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings YJIANECHO5G-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile.
344 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YJIANECHO5G-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.
344 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings YJIANECHO5G-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
344 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings YJIANECHO5G-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
346 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings HHCGEPZVSRZ-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
346 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings HHCGEPZVSRZ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
347 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TQ1TTAA2Q1T-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
347 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TQ1TTAA2Q1T-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
347 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TQ1TTAA2Q1T-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
347 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings TQ1TTAA2Q1T-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" and the "Notice to the Home Loan Applicant" are missing from the loan file.
347 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TQ1TTAA2Q1T-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
347 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TQ1TTAA2Q1T-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/2000 and transaction funded on 12/XX/2000. The funding date could not be prior to 12/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
348 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QEYVTTNGEAG-OPN6CQBU Application Missing * Application Missing (Lvl 2)
348 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings QEYVTTNGEAG-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2002 and transaction funded on 10/XX/2002. The funding date could not be prior to 10/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
348 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings QEYVTTNGEAG-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
350 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BL0QGMINN4L-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
350 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings BL0QGMINN4L-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
351 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings YV5JAKZGAAB-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
351 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YV5JAKZGAAB-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
351 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings YV5JAKZGAAB-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The Notice to the Home Loan Applicant and the Risk Based Pricing Notice is missing from the loan file.
351 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings YV5JAKZGAAB-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
351 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YV5JAKZGAAB-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) "This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2002 and transaction funded on 8/XX/2002. The funding date could not be prior to 8/XX/2002. The statute of limitation has expired; downgraded based on client's profile. "
352 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings M5W1UUWZSPL-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
352 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings M5W1UUWZSPL-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
352 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings M5W1UUWZSPL-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
352 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings M5W1UUWZSPL-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
352 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings M5W1UUWZSPL-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.
352 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings M5W1UUWZSPL-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
352 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings M5W1UUWZSPL-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2001 and transaction funded on 3/XX/2001. The funding date could not be prior to 3/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
353 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings AKM535ZJZPK-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
353 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings AKM535ZJZPK-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 12.212%. The disclosed APR of 14.223% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.
353 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AKM535ZJZPK-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 14.223% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
353 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AKM535ZJZPK-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2001 and transaction funded on 8/XX/2001. The funding date could not be prior to 8/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
353 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AKM535ZJZPK-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
353 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings AKM535ZJZPK-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial application is missing.
357 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XPSQUCCBLHR-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
357 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XPSQUCCBLHR-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
357 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XPSQUCCBLHR-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
357 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XPSQUCCBLHR-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
357 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings XPSQUCCBLHR-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
357 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings XPSQUCCBLHR-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.
358 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 3QQMEEYDTK4-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
358 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 3QQMEEYDTK4-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
358 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings 3QQMEEYDTK4-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
358 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3QQMEEYDTK4-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
358 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3QQMEEYDTK4-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2001 and transaction funded on 1/XX/2001. The funding date could not be prior to 1/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
359 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5D3TPYPZQQU-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The Final TIL was not signed by the borrowers.
359 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 5D3TPYPZQQU-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
359 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5D3TPYPZQQU-OPN6CQBU Application Missing * Application Missing (Lvl 2) Missing the Final Application at Closing.
360 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WOOS22TYP00-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.
360 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WOOS22TYP00-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
360 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings WOOS22TYP00-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from
360 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings WOOS22TYP00-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
360 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WOOS22TYP00-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
360 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings WOOS22TYP00-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
361 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings PJHPWNPIOXE-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
361 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PJHPWNPIOXE-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
361 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PJHPWNPIOXE-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
361 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings PJHPWNPIOXE-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
361 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings PJHPWNPIOXE-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
361 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings PJHPWNPIOXE-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $158,120.13. The disclosed finance charge of $156,364.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.
362 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings IX0ABCZD2AL-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment penalty rider to the mortgage.
362 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings IX0ABCZD2AL-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the appraisal.
363 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings VAW3PEI3S0P-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The appraisal is missing.
363 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VAW3PEI3S0P-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
363 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings VAW3PEI3S0P-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The prepayment penalty rider to the mortgage is missing.
363 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings VAW3PEI3S0P-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
364 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NHKLXDXN3PD-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
364 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NHKLXDXN3PD-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
364 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings NHKLXDXN3PD-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.
364 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings NHKLXDXN3PD-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
364 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings NHKLXDXN3PD-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
364 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings NHKLXDXN3PD-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
365 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings YJQD1AENONA-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
365 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YJQD1AENONA-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
365 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings YJQD1AENONA-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
365 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YJQD1AENONA-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
365 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings YJQD1AENONA-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
365 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings YJQD1AENONA-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
366 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X3O1RH1PZLA-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
366 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X3O1RH1PZLA-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2002 and transaction funded on 5/XX/2002. The funding date could not be prior to 5/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
366 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings X3O1RH1PZLA-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
367 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings XO1PRZPO5XJ-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
367 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XO1PRZPO5XJ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
367 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings XO1PRZPO5XJ-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
367 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings XO1PRZPO5XJ-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
367 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XO1PRZPO5XJ-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2000 and transaction funded on 1/XX/2000. The funding date could not be prior to 1/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
367 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XO1PRZPO5XJ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
367 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings XO1PRZPO5XJ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
368 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings YN1DX22IVUH-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
368 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings YN1DX22IVUH-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 03/XX/2000 and transaction funded on 03/XX/2000. The funding date could not be prior to 03/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
368 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings YN1DX22IVUH-4M12HOPC Appraisal not dated * Appraisal not dated (Lvl 2)
368 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings YN1DX22IVUH-ALRISXDQ ComplianceEase State Regulations Test Failed * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.
368 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings YN1DX22IVUH-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
369 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings DCORRFUVVZX-ALRISXDQ ComplianceEase State Regulations Test Failed * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the discount fee test. (OH ST § 1343.011(B)). The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. The Total Discount per the HUD-1 was $6,138.38, or 7.2499% of the loan amount.
369 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DCORRFUVVZX-KZ2XA0RY Final TIL Date after actual transaction date * Final TIL Date after actual transaction date (Lvl 2) The Note Date per the Note is 5/XX/2001. The TIL Date per the TIL is 5/XX/2001.
369 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings DCORRFUVVZX-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) Missing the 1008.
369 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DCORRFUVVZX-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The Final TIL was not signed by the borrower.
370 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings FZXN5GK553U-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
370 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings FZXN5GK553U-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2)
370 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings FZXN5GK553U-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
370 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings FZXN5GK553U-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
370 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings FZXN5GK553U-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
371 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings C5VKXGWSNOB-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
371 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings C5VKXGWSNOB-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/1999 and transaction funded on 12/XX/1999. The funding date could not be prior to 12/XX/1999. The statute of limitation has expired; downgraded based on client's profile.
371 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings C5VKXGWSNOB-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
371 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings C5VKXGWSNOB-ALRISXDQ ComplianceEase State Regulations Test Failed * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.
371 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings C5VKXGWSNOB-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
372 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings O3W0TNVASBS-OPN6CQBU Application Missing * Application Missing (Lvl 2)
372 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings O3W0TNVASBS-ALRISXDQ ComplianceEase State Regulations Test Failed * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.
372 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings O3W0TNVASBS-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) The TIL is missing. The APR of12% was utilized to complete the required tests. The ROR is missing from the file. The statute of limitations has expired downgraded based on Client Compliance Profile.
372 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings O3W0TNVASBS-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 12% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
373 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings O3Y0RXTJT3N-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $92,763.27. The disclosed finance charge of $92,570.24 is not considered accurate because it is understated by more than $100. In addition, This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2000 and transaction funded on 10/XX/2000. The funding date could not be prior to 10/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
373 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings O3Y0RXTJT3N-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
373 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings O3Y0RXTJT3N-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
373 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings O3Y0RXTJT3N-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.
373 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings O3Y0RXTJT3N-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
373 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings O3Y0RXTJT3N-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
374 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings MIZRI55XADU-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) The file is missing the appraisal.
374 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings MIZRI55XADU-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment penalty rider to the mortgage.
375 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EUEJI2ZTVD3-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
375 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EUEJI2ZTVD3-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
375 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings EUEJI2ZTVD3-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
375 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EUEJI2ZTVD3-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
375 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings EUEJI2ZTVD3-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $99,125.19. The disclosed finance charge of $98,930.06 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
376 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings JLA1S4WRWK0-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
376 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings JLA1S4WRWK0-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
376 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings JLA1S4WRWK0-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 11.169%. The disclosed APR of 13.301% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
376 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JLA1S4WRWK0-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2000 and transaction funded on 02/XX/2000. The funding date could not be prior to 02/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
376 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings JLA1S4WRWK0-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 13.301% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
377 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TR2JDPPXT2W-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
377 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings TR2JDPPXT2W-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
377 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TR2JDPPXT2W-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 9/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
377 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TR2JDPPXT2W-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
377 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings TR2JDPPXT2W-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
377 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings TR2JDPPXT2W-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
377 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TR2JDPPXT2W-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
377 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings TR2JDPPXT2W-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
379 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings ERENMGYKLII-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
379 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings ERENMGYKLII-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile.

This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $377,547.43. The disclosed finance charge of $143,610.82 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
379 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings ERENMGYKLII-OPN6CQBU Application Missing * Application Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3K2NRBTCBLX-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3K2NRBTCBLX-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 3K2NRBTCBLX-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 3K2NRBTCBLX-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
Dropped XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings 3K2NRBTCBLX-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
Dropped XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 3K2NRBTCBLX-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
Dropped XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3K2NRBTCBLX-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
381 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings MUFFJJDJPOP-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $80,378.12. The disclosed finance charge of $67,220.99 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 11.790%. The disclosed APR of 10.621% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $67,220.99 and the comparison data finance charge is $80,278.12 for a $13,057.13 variance. The loan data APR is 10.621% and the comparison data APR is 11.790% for a 1.169% variance. The statute of limitations has expired downgraded based on Client Compliance Profile.
382 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3OXKWGJABY1-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
382 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 3OXKWGJABY1-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
383 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1XKYCMBVERS-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) "This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2005 and transaction funded on 11/XX/2005. The funding date could not be prior to 12/XX/2005. The statute of limitation has expired; downgraded based on client's profile. "
383 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 1XKYCMBVERS-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
383 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 1XKYCMBVERS-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $56,228.34. The disclosed finance charge of $48,751.15 is not considered accurate because it is understated by more than $100. In addition, the loan fails the TILA APR Test,This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 10.630%. The disclosed APR of 9.669% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.. . The statute of limitations has expired; downgraded based on client’s profile.
383 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1XKYCMBVERS-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
383 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1XKYCMBVERS-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
384 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TVPFOGCD3XB-OPN6CQBU Application Missing * Application Missing (Lvl 2) Missing the Final Application at Closing.
384 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings TVPFOGCD3XB-30MSQ0KQ Not all borrowers signed TIL * Not all borrowers signed TIL (Lvl 2) The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
384 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings TVPFOGCD3XB-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) Missing the 1008.
384 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings TVPFOGCD3XB-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $223,592.95. The disclosed finance charge of $171,704.49 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, the loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.440%. The disclosed APR of 8.023% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.
384 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings TVPFOGCD3XB-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2) Missing the Appraisal.
385 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KTGJLWPK2GO-OPN6CQBU Application Missing * Application Missing (Lvl 2)
385 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings KTGJLWPK2GO-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate because it is
understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is 48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 11.886%. The disclosed APR of 10.869% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The statute of limitations has expired; downgraded based on Client Compliance Profile.
385 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings KTGJLWPK2GO-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
385 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KTGJLWPK2GO-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2)
385 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KTGJLWPK2GO-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
385 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings KTGJLWPK2GO-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
385 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KTGJLWPK2GO-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
386 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings Y3YIIW13UTR-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $62,312.96. The disclosed finance charge of $51,899.76 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 11.490%. The disclosed APR of 10.311% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $51,899.76 and the comparison data finance charge is $62,212.96 for a $10,313.20 variance. The loan data APR is 10.311% and the comparison data APR is 11.490% for a 1.179% variance. The statute of limitation has expired; downgraded based on client's profile.
387 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UY0IASGSQCS-OPN6CQBU Application Missing * Application Missing (Lvl 2) 1003 Application Missing.
387 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings UY0IASGSQCS-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 14.104%. The disclosed APR of 16.849% is not considered accurate because it is more
than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
387 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UY0IASGSQCS-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 04/XX/2000 and transaction funded on 04/XX/2000. The funding date could not be prior to 04/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
387 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings UY0IASGSQCS-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 16.849 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
387 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings UY0IASGSQCS-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile.
388 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 4NRP2W403BM-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 10.916%. The disclosed APR of 13.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-YY1C4RU7 Final TIL Missing or Not Executed * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.
388 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 4NRP2W403BM-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
388 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 4NRP2W403BM-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-EOCDDTAJ ROR funding date before end of required rescission * ROR funding date before end of required rescission period (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
388 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
388 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 4NRP2W403BM-W8O59YIL Final 1003 is Missing * Final 1003 is Missing (Lvl 2) The final 1003 is missing.
388 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
388 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4NRP2W403BM-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
389 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings A5CJIFBQUAC-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The file is missing the prepayment penalty rider to the mortgage.
390 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings CV1SE4LART5-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
390 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings CV1SE4LART5-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" and the "Notice to Home Loan Applicant" are missing from the loan file.
391 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QZA4PV5OS1P-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The file is missing the notice of servicing transfer.
391 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QZA4PV5OS1P-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The Adjustable Rate Mortgage Loan Program Disclosure is missing.
391 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QZA4PV5OS1P-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
392 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SAHQKBCTZWR-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
392 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SAHQKBCTZWR-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
392 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings SAHQKBCTZWR-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
392 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings SAHQKBCTZWR-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice is missing from the loan file.
392 XX XX XX XX XX Credit Other Disclosures Active 2: Acceptable with Warnings SAHQKBCTZWR-GE97ZSY1 Cred.Score disc. or Notice Home Ln Applcnt missing * Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file.
393 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings HVJLYSCSU2B-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2002 and transaction funded on 3/XX/2002. The funding date could not be prior to 3/XX/2002. The statute of limitation has expired; downgraded based on client's profile.
393 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings HVJLYSCSU2B-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
393 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings HVJLYSCSU2B-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file.
394 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings KGJVZSKTASF-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
394 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings KGJVZSKTASF-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
394 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings KGJVZSKTASF-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
394 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings KGJVZSKTASF-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
395 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings K0SECY52WHM-OPN6CQBU Application Missing * Application Missing (Lvl 2) The file is missing the initial loan application.
396 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings QZKLUYH31VM-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
396 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings QZKLUYH31VM-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
396 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings QZKLUYH31VM-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
396 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings QZKLUYH31VM-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.
397 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4X2XYB1UXM2-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
397 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings 4X2XYB1UXM2-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.
397 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4X2XYB1UXM2-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
397 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings 4X2XYB1UXM2-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
397 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 4X2XYB1UXM2-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
397 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4X2XYB1UXM2-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrowers'. Statute of limitation has expired; downgraded based on client's profile.
397 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 4X2XYB1UXM2-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
398 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 5ZXWYXMZM2U-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
398 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5ZXWYXMZM2U-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
398 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 5ZXWYXMZM2U-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
399 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings IPPQY10HQRR-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file.
399 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings IPPQY10HQRR-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
399 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings IPPQY10HQRR-ZSOV6EYX Not all borrowers signed HUD * Not all borrowers signed HUD (Lvl 2)
400 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings XZJW54EMYID-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
402 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings A5MXRARKFRQ-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
402 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings A5MXRARKFRQ-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
402 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings A5MXRARKFRQ-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
402 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings A5MXRARKFRQ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
402 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings A5MXRARKFRQ-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
402 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings A5MXRARKFRQ-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
403 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings PSSIP5QE42P-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $519,018.12. The disclosed finance charge of $506,081.90 is not considered accurate because it is understated by more than $100, whichever is greater. The finance charge was understated by $12,836.22. In addition, the loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 8.587%. The disclosed APR of 8.266% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees were included in the calculation: Document Preparation Fee paid by Borrower: $95.00, Interest paid by Borrower: $682.72, Processing Fee paid by Borrower: $450.00, Settlement / Closing / Escrow Fee paid by Borrower: $397.00, Tax Related Service Fee paid by Borrower: $65.00, Title Courier Fee paid by Borrower: $42.00 The APR difference is 0.321% which is outside the allowable tolerance by 0.125%. The statute of limitations has expired; downgraded based on Client Compliance Profile.
403 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings PSSIP5QE42P-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
403 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings PSSIP5QE42P-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.
404 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EFSNBSG0YAB-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The Adjustable Rate Mortgage Loan Program Disclosure is missing.
404 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings EFSNBSG0YAB-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $559,199.66. The disclosed finance charge of $555,160.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile.
405 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings P0UAY2FXFUH-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $330,287.04. The disclosed finance charge of $329,481.80 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.
406 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings S4LDP40GNI3-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
406 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings S4LDP40GNI3-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
406 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings S4LDP40GNI3-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $380,195.18. The disclosed finance charge of $379,940.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile.
408 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings EE2LR3C0BGD-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
408 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings EE2LR3C0BGD-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
408 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings EE2LR3C0BGD-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
409 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings BXNWSYE5QIU-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
409 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BXNWSYE5QIU-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
410 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings GBS15HHFDEQ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
411 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings C4MYBF1CBE2-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
411 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings C4MYBF1CBE2-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
411 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings C4MYBF1CBE2-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
411 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings C4MYBF1CBE2-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
412 XX XX XX XX XX Valuation Doc Issue Active 2: Acceptable with Warnings Y1JQJWWK41F-212UC3YR Missing Appraisal * Missing Appraisal (Lvl 2)
412 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Y1JQJWWK41F-ZSOV6EYX Not all borrowers signed HUD * Not all borrowers signed HUD (Lvl 2) The loan file did not contain a final HUD; however, the preliminary HUD was used for testing.
412 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Y1JQJWWK41F-5MTB1GU3 Only Estimated HUD in file * Only Estimated HUD in file (Lvl 2) The loan file did not contain a final HUD; however, the preliminary HUD was used for testing.
412 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings Y1JQJWWK41F-375LBFOS ROR Transaction date not consistent with Note and/ * ROR Transaction date not consistent with Note and/or HUD (Lvl 2)
413 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SEDVDVCZGGB-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The prepayment rider is missing from the file.
413 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings SEDVDVCZGGB-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
413 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SEDVDVCZGGB-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer is missing from the file.
414 XX XX XX XX XX Credit Doc Issue Resolved Resolved 1IGGCORAWCL-7CA29VFR Init. Escrow Acct Disc missing; loan has escrows * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R)
414 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1IGGCORAWCL-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
414 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1IGGCORAWCL-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile.
414 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1IGGCORAWCL-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
414 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 1IGGCORAWCL-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
415 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 3D4HTVSLVT5-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
416 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings SOZK3AODWW2-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/1999 and transaction funded on 5/XX/1999. The funding date could not be prior to 5/XX/1999. The statute of limitation has expired; downgraded based on client's profile.
416 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SOZK3AODWW2-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile.
416 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SOZK3AODWW2-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
416 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SOZK3AODWW2-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
416 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings SOZK3AODWW2-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Prepayment Rider.
416 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings SOZK3AODWW2-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
416 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings SOZK3AODWW2-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
417 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings MXARHEPOZ3H-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
418 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1ZVFYI1BNYE-SQBKTREO Condo / PUD rider Missing * Condo / PUD rider Missing (Lvl 2) The Security Instrument is missing the following: Condo Rider.
418 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1ZVFYI1BNYE-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
418 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1ZVFYI1BNYE-9ZZ18NGR Balloon Rider Missing * Balloon Rider Missing (Lvl 2)
418 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 1ZVFYI1BNYE-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date.
418 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings 1ZVFYI1BNYE-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.
420 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings DOP4KPSL5ZA-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Prepayment Rider.
420 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings DOP4KPSL5ZA-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
422 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings GJVQSSSBBJJ-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
423 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings BSMUUOZRECW-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
423 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings BSMUUOZRECW-9ZZ18NGR Balloon Rider Missing * Balloon Rider Missing (Lvl 2) The Security Instrument is missing the following: Balloon Rider.
423 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings BSMUUOZRECW-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. In addition to the "Risk Based Pricing" Notice is missing from the loan.
423 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings BSMUUOZRECW-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
424 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings X4CWNMFNJMY-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
424 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X4CWNMFNJMY-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The Adjustable Rate Mortgage Loan Program Disclosure is missing.
424 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings X4CWNMFNJMY-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
424 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings X4CWNMFNJMY-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2) The Security Instrument is missing the following: Pre-payment Rider.
425 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings PLJDJQAD043-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
425 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PLJDJQAD043-SCBT23TP Good Faith Estimate missing or unexecuted * Good Faith Estimate missing or unexecuted (Lvl 2)
425 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PLJDJQAD043-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
425 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings PLJDJQAD043-375LBFOS ROR Transaction date not consistent with Note and/ * ROR Transaction date not consistent with Note and/or HUD (Lvl 2)
425 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings PLJDJQAD043-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" and "Risk Based Pricing" Notices are missing from the loan file.
427 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings QBSGQPKD3FZ-606CIBAW Disclosure * Missing initial TIL disclosure (Lvl 2) The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.
428 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings W2KCWUIEPWE-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
428 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings W2KCWUIEPWE-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile.
428 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings W2KCWUIEPWE-OPN6CQBU Application Missing * Application Missing (Lvl 2) The initial 1003 is missing.
428 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings W2KCWUIEPWE-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
428 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings W2KCWUIEPWE-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
429 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings SQ55FA13LHU-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $122,543.45. The disclosed finance charge of $122,393.45 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.
429 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings SQ55FA13LHU-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
Dropped XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings GWFHH3L0OY3-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) 1008 is missing
430 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WAFB33DS5WB-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)
430 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WAFB33DS5WB-UMCXIDRC Missing Title evidence * Missing Title evidence (Lvl 2)
430 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WAFB33DS5WB-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
430 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WAFB33DS5WB-U1LRMV3I Missing credit report * Missing credit report (Lvl 2)
430 XX XX XX XX XX Compliance Compliance Active 2: Acceptable with Warnings WAFB33DS5WB-OHRJB5B0 ComplianceEase TILA Test Failed * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ) The finance charge is $320,664.08. The disclosed finance charge of $320,207.77 is not considered accurate because it is understated by more than $100. The variance is $356.31. The statute of limitations has expired; downgraded based on Client Compliance Profile.
430 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings WAFB33DS5WB-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
430 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings WAFB33DS5WB-6FDJFKOP Right of Rescission missing or unexecuted * Right of Rescission missing or unexecuted (Lvl 2) The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile.
431 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XOAB41LERSN-CRMIJMUN Prepayment Rider Missing * Prepayment Rider Missing (Lvl 2)
431 XX XX XX XX XX Credit Credit Active 2: Acceptable with Warnings XOAB41LERSN-JGFWQHHY Credit Score and Disc Notice to Home Loan Missing * Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.
431 XX XX XX XX XX Compliance Doc Issue Active 2: Acceptable with Warnings XOAB41LERSN-9RXK6TPY Rate Lock Date (Information) * Rate Lock Date (Information) (Lvl 2) The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
431 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings XOAB41LERSN-8R4R1817 Credit score not provided * Credit score not provided (Lvl 2)
431 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings XOAB41LERSN-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2)
432 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 2GV4JPBBNRX-IYAZB5ZX Loan program disclosure missing or unexecuted * Loan program disclosure missing or unexecuted (Lvl 2) The initial ARM Program Disclosure is missing.
432 XX XX XX XX XX Credit Underwriting Active 2: Acceptable with Warnings 2GV4JPBBNRX-E510UMK1 Transmittal (1008) is Missing * Transmittal (1008) is Missing (Lvl 2) The 1008 is missing.
433 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41OIJUCC1CH-9ZZ18NGR Balloon Rider Missing * Balloon Rider Missing (Lvl 2) The Security Instrument is missing the following: Balloon Rider
433 XX XX XX XX XX Credit Doc Issue Active 2: Acceptable with Warnings 41OIJUCC1CH-IZYSM7OP Notice of Servicing Transfer missing or unexecuted * Notice of Servicing Transfer missing or unexecuted (Lvl 2)