Loan Level Exceptions

Run Date - 1/20/2025


Marketing id	Recovco Loan ID	Loan #1	Loan #2	Loan #3	SBO Id	Project Name	Detailed Status	Initial Overall Grade	Final Overall Grade	Initial Credit	Initial Value	Initial Compliance	Final Credit	Final Value	Final Compliance	Material Exceptions	Non-Material Exceptions	Resolved Exceptions	Acknowledged Exceptions
281	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The loan file is missing the initial application. * (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
227	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2 *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
380	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
152	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
271	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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 XX, 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. * (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 COMMENT: The loan file did not contain the CHARM Booklet and loan was ARM. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file did not contain the initial loan program disclosure dated 6/XX/2006; loan was ARM with PPP. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The loan file did not contain the initial notice of servicing transfer dated 6/XX/2006. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The note reflects a prepayment penalty, however, the loan file is missing the prepayment penalty rider to the mortgage. *** (OPEN) Special information booklet is Missing - EV 2 COMMENT: The loan file is missing the Buying Your Home: Settlement Costs and Helpful Information booklet for purchases.
318	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: All 1003 are missing. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
23	XX	XX	XX	XX	XX	XX		2	2	1	2	1	1	2	1		*** (OPEN) Missing Appraisal - EV 2 COMMENT: The file is missing the appraisal.
176	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 * (OPEN) Missing credit report - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
414	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2	*** (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R
434	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
383	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: "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. " *** (OPEN) Transmittal (1008) is Missing - EV 2
418	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date. * (OPEN) Balloon Rider Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Condo / PUD rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Condo Rider. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2 COMMENT: The Service Provider List is missing. * (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2 COMMENT: 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. * (OPEN) Initial Good Faith Estimate is Missing - EV 2 * (OPEN) Initial Truth in Lending Disclosure is Missing - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
330	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: Missing the Initial Application and the Final Application. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The ARM Loan Program Disclosure is missing. * (OPEN) Missing Appraisal - EV 2 COMMENT: The Appraisal is missing. * (OPEN) Missing credit report - EV 2 COMMENT: The Credit Report is missing. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
93	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 COMMENT: The loan file is missing the loan modification. * (OPEN) Missing Doc - EV 2 COMMENT: The loan file is missing the 2nd lien note for $XX per the loan approval on page 297.
354	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
237	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file is missing the Interest First ARM Disclosure. * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
432	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The initial ARM Program Disclosure is missing. * (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
289	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
338	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: 1003 Application missing. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
34	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 COMMENT: The loan file did not contain the CHARM Booklet and loan was ARM. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file did not contain the loan program disclosure; loan was ARM with PPP. * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
258	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Balloon Rider Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
122	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The loan is missing the initial and final notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 2
415	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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) ) * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Higher-Priced Mortgage Loan - EV 2 COMMENT: The loan is QM higher-priced. The statue of limitation has expired; downgraded based on client's profile. * (OPEN) Missing Title evidence - EV 2 *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
312	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit report >90 days old at closing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2
382	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Transmittal (1008) is Missing - EV 2
62	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: 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. * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
358	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. *** (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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.
90	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile. * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2 * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
433	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Balloon Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Balloon Rider * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
73	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 * (OPEN) Property is Manufactured Housing - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
294	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Required Affiliated Business Disclosure missing/unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2	*** (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R COMMENT: To be resolved.
293	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
388	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
302	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Transmittal (1008) is Missing - EV 2
18	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing required 1-4 family rider - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
397	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
359	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: Missing the Final Application at Closing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The Final TIL was not signed by the borrowers. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
303	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Balloon Rider Missing - EV 2 * (OPEN) Credit score not provided - EV 2 * (OPEN) Missing Appraisal - EV 2 * (OPEN) Mortgage missing / unexecuted - EV 2
236	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
337	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice and missing from the loan file. * (OPEN) Missing Appraisal - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
147	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
398	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
327	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. *** (OPEN) Transmittal (1008) is Missing - EV 2
389	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The file is missing the prepayment penalty rider to the mortgage.
402	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
296	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 *** (OPEN) Missing Title evidence - EV 2
353	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial application is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
68	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2
336	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" and the "Notice to Home Loan Applicant" Notice are missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
146	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
350	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
305	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial loan application is missing from the file. * (OPEN) Final Application is missing - EV 2 COMMENT: The final loan application is missing from the file.
423	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Balloon Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Balloon Rider. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2 *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
13	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
409	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
226	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
343	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
411	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
371	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
162	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
426	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2
244	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Prepayment Rider Missing - EV 2
390	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" and the "Notice to Home Loan Applicant" are missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
329	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. *** (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
280	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2
369	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Date after actual transaction date - EV 2 COMMENT: The Note Date per the Note is 5/XX/2001. The TIL Date per the TIL is 5/XX/2001. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The Final TIL was not signed by the borrower. * (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: Missing the 1008.
292	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The file is missing the prepayment rider to the mortgage.
420	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Prepayment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: 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	XX		2	2	2	2	2	2	2	2		* (OPEN) 1003 Application [information not provide] - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Application Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2 * (OPEN) Mortgage missing / unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 *** (OPEN) Missing Title evidence - EV 2
313	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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.
408	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
404	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing.
379	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
188	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file did contain the loan program disclosure was an ARM loan with PPP * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The loan file did not contain the Notice of Servicing Transfer Dislcosure * (OPEN) Prepayment Rider Missing - EV 2
375	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Missing credit report - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. *** (OPEN) Transmittal (1008) is Missing - EV 2
356	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
334	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
370	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. *** (OPEN) Not all borrowers signed TIL - EV 2
314	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: All 1003 Application Missing. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
301	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1			* (CURED) ComplianceEase Exceptions Test Incomplete - EV R * (CURED) ComplianceEase RESPA Test Incomplete - EV R * (CURED) ComplianceEase State Regulations Test Incomplete - EV R * (CURED) Loan program disclosure missing or unexecuted - EV R * (CURED) Notice of Servicing Transfer missing or unexecuted - EV R * (CURED) Required Affiliated Business Disclosure missing/unexecuted - EV R *** (CURED) Right of Rescission missing or unexecuted - EV R
410	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Transmittal (1008) is Missing - EV 2
422	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Transmittal (1008) is Missing - EV 2
378	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
311	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
101	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: 1008 is missing
80	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The file is missing the initial loan application. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 COMMENT: The file is missing the appraisal. * (OPEN) Missing credit report - EV 2 COMMENT: The file is missing the credit report. * (OPEN) Missing Title evidence - EV 2 COMMENT: The file is missing the title report. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The file is missing the notice of servicing transfer. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The file is missing the prepayment rider to the mortgage. *** (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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.
346	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
401	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
315	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
393	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file. *** (OPEN) Transmittal (1008) is Missing - EV 2
407	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
265	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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.
399	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file. * (OPEN) Not all borrowers signed HUD - EV 2 *** (OPEN) Prepayment Rider Missing - EV 2
362	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 COMMENT: The file is missing the appraisal. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The file is missing the prepayment penalty rider to the mortgage.
Dropped	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
376	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
212	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file did contain the loan program disclosure was an ARM with PPP * (OPEN) Prepayment Rider Missing - EV 2
340	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT: 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, * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrowers'. The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
395	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Application Missing - EV 2 COMMENT: The file is missing the initial loan application.
419	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
324	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. " * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
394	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
306	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
385	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
200	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
297	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Pre-payment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
322	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit score not provided - EV 2 COMMENT: There was no Credit Score provided for Borrower #2. * (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
129	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Missing credit report - EV 2 *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
119	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
286	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
352	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: 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. * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
121	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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.
374	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 COMMENT: The file is missing the appraisal. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The file is missing the prepayment penalty rider to the mortgage.
320	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
288	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Prepayment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. *** (OPEN) Transmittal (1008) is Missing - EV 2
381	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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.
417	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
123	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The file is missing the Initial Loan Application. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing. * (OPEN) Missing Appraisal - EV 2 COMMENT: The file is missing the Appraisal. * (OPEN) Missing credit report - EV 2 COMMENT: The file is missing the Credit Report. * (OPEN) Missing Title evidence - EV 2 COMMENT: The file is missing the Title Report. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The file is missing the Notice of Servicing Transfer. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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.
290	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2
59	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: "Risk Based Pricing" Notice missing. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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.
308	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The Final Application is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
364	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
287	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit score not provided - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
339	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The Final Application at Closing is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The Final TIL is not signed by the borrower. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
332	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit score not provided - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Transmittal (1008) is Missing - EV 2
372	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT: 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. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Transmittal (1008) is Missing - EV 2
197	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		*** (OPEN) Prepayment Rider Missing - EV 2
405	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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.
274	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
421	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
341	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: 1003 Application missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
361	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing credit report - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.
425	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" Notices are missing from the loan file. * (OPEN) Good Faith Estimate missing or unexecuted - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
253	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
307	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The Final application is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing Title evidence - EV 2
403	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. *** (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
144	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
83	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: The TIL is missing. The statute of limitations has expired downgraded based on Client Compliance Profile. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Missing Title evidence - EV 2 COMMENT: The Title Policy is missing. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Pre-payment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. *** (OPEN) Transmittal (1008) is Missing - EV 2
79	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. " *** (OPEN) Transmittal (1008) is Missing - EV 2
284	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2
427	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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.
348	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
321	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Higher-Priced Mortgage Loan - EV 2 COMMENT: Higher Priced transactions require a written appraisal. * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
391	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The file is missing the notice of servicing transfer.
396	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
316	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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.
323	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Missing required 1-4 family rider - EV 2 * (OPEN) Transmittal (1008) is Missing - EV 2
333	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
355	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
406	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2 COMMENT: 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. * (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2 COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. * (OPEN) Homeownership Counseling List - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
392	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
413	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The notice of servicing transfer is missing from the file. *** (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The prepayment rider is missing from the file.
328	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
416	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: "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. * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Prepayment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
429	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
345	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
349	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
94	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Missing Title evidence - EV 2 *** (OPEN) Right of Rescission missing or unexecuted - EV 2
295	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Pre-payment Rider. *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
347	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Risk Based Pricing" and the "Notice to the Home Loan Applicant" are missing from the loan file. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
20	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
377	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
384	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: Missing the Final Application at Closing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 COMMENT: Missing the Appraisal. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: Missing the 1008.
291	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 *** (OPEN) Good Faith Estimate missing or unexecuted - EV 2
269	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. *** (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 *** (OPEN) Missing Title evidence - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
272	XX	XX	XX	XX	XX	XX		1	1	1	1	1	1	1	1
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application on/after 2014 and Homeownership Counseling Disc is not in file - EV 2 COMMENT: Homeownership Counseling Disclosure is missing. * (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2 COMMENT: Service Provider List is Missing. * (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
387	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: 1003 Application Missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT: 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. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
363	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 COMMENT: The appraisal is missing. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The prepayment penalty rider to the mortgage is missing.
342	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
239	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 *** (OPEN) Prepayment Rider Missing - EV 2
331	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
428	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing credit report - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 *** (OPEN) Transmittal (1008) is Missing - EV 2
430	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing credit report - EV 2 * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
220	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 * (OPEN) Loan program disclosure missing or unexecuted - EV 2 * (OPEN) Prepayment Rider Missing - EV 2
234	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Loan program disclosure missing or unexecuted - EV 2 * (OPEN) Mortgage - Missing required ARM Rider - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 *** (OPEN) Prepayment Rider Missing - EV 2
335	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: 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. * (OPEN) Right of Rescission missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) TIL not hand dated - EV 2 COMMENT: 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.
360	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.
309	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
366	XX	XX	XX	XX	XX	XX		2	2	2	1	1	2	1	1		* (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2 COMMENT: The 1008 is missing.
424	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing. * (OPEN) Prepayment Rider Missing - EV 2 COMMENT: The Security Instrument is missing the following: Pre-payment Rider. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
325	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2 COMMENT: 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.
310	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. *** (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing.
367	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
431	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Credit score not provided - EV 2 * (OPEN) Prepayment Rider Missing - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. *** (OPEN) Transmittal (1008) is Missing - EV 2
357	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. * (OPEN) Missing credit report - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Prepayment Rider Missing - EV 2
21	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 * (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Missing required 1-4 family rider - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 COMMENT: The loan file did not contain the servicing disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 2
400	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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.
412	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Missing Appraisal - EV 2 * (OPEN) Not all borrowers signed HUD - EV 2 COMMENT: The loan file did not contain a final HUD; however, the preliminary HUD was used for testing. * (OPEN) Only Estimated HUD in file - EV 2 COMMENT: The loan file did not contain a final HUD; however, the preliminary HUD was used for testing. * (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 2
386	XX	XX	XX	XX	XX	XX		2	2	1	1	2	1	1	2		*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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.
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Application Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Missing Title evidence - EV 2
344	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: 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. * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
365	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
368	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Appraisal not dated - EV 2 * (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing Appraisal - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. *** (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Higher-Priced Mortgage Loan - EV 2 COMMENT: 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. * (OPEN) Missing Title evidence - EV 2
351	XX	XX	XX	XX	XX	XX		2	2	2	2	1	2	2	1		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The Notice to the Home Loan Applicant and the Risk Based Pricing Notice is missing from the loan file. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Not all borrowers signed TIL - EV 2 COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. *** (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: "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. "
31	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Missing initial TIL disclosure - EV 2 COMMENT: 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. * (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2 * (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT: The loan file did not contain a loan program disclosure with a prepayment penalty provision. * (OPEN) Missing credit report - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2
319	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. * (OPEN) Transmittal (1008) is Missing - EV 2
Dropped	XX	XX	XX	XX	XX	XX		2	2	2	2	2	2	2	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Missing Appraisal - EV 2 * (OPEN) Missing credit report - EV 2 * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. *** (OPEN) Transmittal (1008) is Missing - EV 2
326	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT: 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. * (OPEN) Missing Title evidence - EV 2 * (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 * (OPEN) Right of Rescission missing or unexecuted - EV 2 * (OPEN) ROR funding date before end of required rescission period - EV 2 COMMENT: 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. * (OPEN) Transmittal (1008) is Missing - EV 2
317	XX	XX	XX	XX	XX	XX		2	2	2	1	2	2	1	2		* (OPEN) Application Missing - EV 2 COMMENT: The initial 1003 is missing. * (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2 COMMENT: 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. * (OPEN) Final 1003 is Missing - EV 2 COMMENT: The final 1003 is missing. * (OPEN) Rate Lock Date (Information) - EV 2 COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. *** (OPEN) Transmittal (1008) is Missing - EV 2