Exhibit 99.4 Schedule 2

 

Marketing ID Scienna ID Loan Number 1 Loan Number 2 Borrower Last Name Exception ID Client Project Pool Fund Loan Review Status Property State Original Loan Amount Finding Category Finding Sub-Category FindingStatus Finding Grade Finding Description Finding Comment Lender Response Lender Status
37 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Colorado XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
37 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Colorado XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
37 XX XX XX XX 04676c2d-9111-4e5e-859e-db974cdb7b7a XX XX XX Pre-QM QC Complete Colorado XX Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
37 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Colorado XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for
TILA APR Test:
The loan data 0.000% and comparison data is 7.320%. Hence, the variance is -7.320%.		    
37 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Colorado XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate", due to
TILA APR Test:		    
37 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Colorado XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
37 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Colorado XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
37 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Colorado XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
37 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Colorado XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
58 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test.
The loan exceeds the HOEPA APR threshold for primary residences.
The loan exceeds the HOEPA points and fees threshold for primary residences.

This loan failed the points and fees test (Fannie Mae Lender Letter Ann. 06-04)
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.

This loan failed the points and fees test. (Freddie Mac Industry Letter 02/XX/2009)
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or less.
Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes of this test.		    
58 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete New York XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal document is missing from loan file.    
58 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
58 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrowers.    
58 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
58 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete New York XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The Appraisal document is missing. As per tape data Appraisal value of subject property is $XX and loan amount is $XX which is more than appraisal value. So, CLTV shows more than 100%.    
58 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
58 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
58 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission document is missing from loan.    
54 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
54 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
54 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete North Carolina XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
54 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete North Carolina XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
54 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
54 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
Prepayment Term Test is fail. Loan data is 30Months and comparison data is 0Months. Hence, the variance is 30Months.


This loan failed the bona fide discount points test as 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.		    
Dropped XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
Dropped XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
Dropped XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate because it is understated by more than $100.
The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.367%. The disclosed APR of 8.821% 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 is 8.821% and comparison data is 10.367%; the variance is -1.546%.		    
Dropped XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate
This loan failed the TILA finance charge test
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
Dropped XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Pennsylvania XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report form is missing from the loan    
Dropped XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Pennsylvania XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application form is missing from the loan file.    
Dropped XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
Dropped XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
Dropped XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) The TIL is not signed by borrower.    
Dropped XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan files    
85 XX XX XX XX c7478320-5532-4499-9e75-67c2535004af XX XX XX Pre-QM QC Complete Texas XX Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as 11/XX/1998.  Notary's signature date on the Mortgage/Deed of Trust is 11/XX/1998.  Note date is 11/XX/1998.    
85 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
95 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from loan file.    
95 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value unable to confirm as supporting documents are missing from the loan file.    
95 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
95 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
95 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
110 XX XX XX XX 9de3b1ab-eef9-4104-9298-668f6bdd5470 XX XX XX Pre-QM QC Complete North Carolina XX Valuation Property Active 1: Acceptable * Property is Manufactured Housing (Lvl 1) The Property type is Manufactured Housing.    
110 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $4,639.00 and allowed is $3,807.70, however it is over charged by +$831.30.
Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 1/XX/2001. SOL has been expired.
Fees included-
Loan Origination Fee paid by Borrower: $560.00
Credit Report Fee paid by Borrower: $9.00
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Courier / Messenger Fee paid by Borrower: $10.00
Attorney's Fee paid by Borrower: $440.00
Max Prepayment Penalty Amount $800.00

This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])
The loan finances any points and fees or any other charges payable to third parties.		    
110 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.

This loan failed the bona fide discount points test as 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.		    
110 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
139 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Arizona XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years.    
139 XX XX XX XX 399d40af-a75c-4340-9c3c-97eadb98a8dc XX XX XX Pre-QM QC Complete Arizona XX Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $29.01.    
139 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Arizona XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The final appraisal report is missing from the loan files.    
160 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
160 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
160 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,057.06 and allowed is $2,813.74, however it is over charged by $243.32.
Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2003. SOL has been expired.
Fees Included-
801 Loan Origination Fee paid by Borrower: $1,035.06
Mortgage Insurance Application Fee paid by Borrower: $6.50
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Yield Spread Premium (Indirect / POC) $292.50
Commitment Fee paid by Borrower: $595.00
Processing Fee paid by Borrower: $80.00
Flood Determination - Life of Loan Fee paid by Borrower: $25.00
Courier / Messenger Fee paid by Borrower: $80.00
Attorney's Fee paid by Borrower: $350.00
Max Prepayment Penalty Amount $585.00.

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1)).		    
160 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR document is not hand-dated by the borrower.    
160 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file    
166 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index unable to determine as supporting document are missing from the loan file.    
166 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
166 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file .    
166 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Oklahoma XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
166 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA APR test due to Calculated APR of 7.360% exceeds Disclosed APR of 0.000% over by 7.360%. Final TIL is missing from the loan documents.    
166 XX XX XX XX 04676c2d-9111-4e5e-859e-db974cdb7b7a XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
167 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Florida XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years.    
167 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Florida XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan files.    
172 XX XX XX XX c7478320-5532-4499-9e75-67c2535004af XX XX XX Pre-QM QC Complete California XX Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per the closing statement the settlement date is 8/XX/2004 and the note date is 7/XX/2004. The subject property is in CA.    
172 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete California XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
194 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete California XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing from loan Files.    
194 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete California XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer missing from loan files.    
194 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete California XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Missing Of Appraisal.    
194 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete California XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission missing from loan files.    
196 XX XX XX XX 399d40af-a75c-4340-9c3c-97eadb98a8dc XX XX XX Pre-QM QC Complete Illinois XX Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $XX.    
196 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index Value is unable to confirm as supporting documents are missing from the loan file.    
205 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
205 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
205 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
205 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
205 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
275 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for.
This loan failed the Vermont high rate loan test.
This loan is a Vermont high rate loan, as defined in the legislation.		    
275 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
275 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan did not pass the prohibited fees test.
The Vermont statutes provide that only those fees expressly permitted may be charged.
The loan data is $4,415.00 and comparison data is $0.00 hence, the variance is +$4,415.00		    
283 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
283 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $10,638.95 and allowed is $5,975.95 however over charged by +$4,663.00. Affirmative claims can be made within 3 years of origination and the Note date is 02/XX/2007. SOL has been expired.
Fees included-
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Processing Fee paid by Borrower: $760.00
Underwriting Fee paid by Borrower: $749.00
Flood Determination - Life of Loan Fee paid by Borrower: $7.00
Tax Related Service Fee paid by Borrower: $50.00
Wire Transfer Fee paid by Borrower: $4.95
 Settlement / Closing / Escrow Fee paid by Borrower: $125.00
Funding, Wire, or Disbursement Fee paid by Borrower: $80.00
Max Prepayment Penalty / Termination Fee $4,158.00

This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))
The covered loan includes a prepayment penalty.		    
223 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
223 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed the Disclosed APR High-Cost Threshold Exception Test due to APR calculated 12.820% exceeds APR threshold of 12.530% over by +0.290%.    
223 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
223 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000.    
71 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
71 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Pennsylvania XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s):  $00.00 Loan Amount: $XXCLTV = 115.922%.    
71 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
71 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Pennsylvania XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
71 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
71 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing.    
127 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Connecticut XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure document is missing from the loan file.    
127 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Connecticut XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
127 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Connecticut XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
127 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Connecticut XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
127 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Connecticut XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the first lien prepaid finance charge test.
The loan has prepaid finance charges that exceed the greater of 5% of the principal amount of the loan or $2,000.

The loan data is $7,356.85 and comparison data is $7,125.00; the variance is +$231.85.

Fees included-
Loan Origination Fee paid by Borrower: $5,343.75
Underwriting Fee paid by Borrower: $345.00
Document Preparation Fee paid by Borrower: $345.00
Interest paid by Borrower: $233.10
Settlement / Closing / Escrow Fee paid by Borrower: $650.00
Title Courier Fee paid by Borrower: $40.00
Funding, Wire, or Disbursement Fee paid by Borrower: $400.00		    
127 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Connecticut XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
77 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Utah XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate because it is understated by more than $100.
The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68
This loan failed the TILA APR test.
The annual percentage rate (APR) is 9.719%. The disclosed APR of 8.283% 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 is 8.283% and comparison data is 9.719%, the variance is -1.436%		    
77 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Utah XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
77 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Utah XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrowers.    
77 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Utah XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliate business disclosure is missing from the loan files.    
77 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Utah XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) TIL is not signed by borrowers.    
76 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Texas XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
76 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds    
76 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan files    
76 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Texas XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
70 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
70 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
70 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.
The loan data is 11.852% and comparison data is 8.250%; the variance is +3.602%

This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.
The loan data is 60 Months and comparison data is 0 Months; the variance is 60 Months		    
70 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct. Disclosure is missing.    
70 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Pennsylvania XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from the loan file.    
70 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Pennsylvania XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s):  $00.00 Loan Amount: $XX CLTV = 107.815%.)    
70 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
63 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Oklahoma XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s):  $00.00 Loan Amount: $XX CLTV = 107.526%.    
63 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
63 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
63 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA Finance Charge test due to Calculated Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 over by -$391.81.

Loan failed TILA Foreclosure Rescission Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 for an under disclosed amount of -$391.81.		    
63 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Oklahoma XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
63 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Oklahoma XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
61 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
61 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Ohio XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
61 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Ohio XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
61 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the interest rate test.    
61 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Ohio XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The appraised value per tape is $XXand the loan amount is $XX. The LTV is calculated as 111.769% which is exceeding 104%.    
61 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Ohio XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
61 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
61 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
61 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Ohio XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) The TIL is not signed by borrower.    
61 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Ohio XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from the loan file.    
Dropped XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrowers.    
Dropped XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct. Disclosure missing from loan file.    
Dropped XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
Dropped XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
Dropped XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete New York XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
Dropped XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
Dropped XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
56 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all borrowers.    
56 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
56 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $87,943.29. The disclosed finance charge of $70,083.87 is not considered accurate because it is understated by more than $100.
The loan data is $70,083.87 and comparison data is $87,843.29; the variance is -$17,759.42.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 9.209%. The disclosed APR of 7.939% 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 is $7.939% and comparison data is 9.209%; the variance is -1.270%.		    
56 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
56 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by all borrowers.    
56 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
55 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Vermont high rate loan test. This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan
section of the full ComplianceAnalyzer report.		    
55 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
55 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Vermont XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from the loan file.    
55 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA APR test due to Calculated APR of 6.997% exceeds Disclosed APR of 0.000% over by 11.955%. Final TIL is missing from the loan documents.    
55 XX XX XX XX 04676c2d-9111-4e5e-859e-db974cdb7b7a XX XX XX Pre-QM QC Complete Vermont XX Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
55 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Vermont XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral value used for underwriting is $XX. Amount of secondary lien is $000. Loan amount is $XX. LTV is 112.341% and CLTV is 112.341%.    
55 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
55 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Vermont XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) RTC is not hand dated by borrower.    
55 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the Vermont Mortgage Lender License Prohibited Fees Test. The following fees were included in the test:
 Loan Origination Fee paid by Borrower: $5,131.19		    
55 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Vermont XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
53 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
53 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
53 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
53 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Mississippi XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) The TIL is not signed by borrower.    
53 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Mississippi XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan files.    
50 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
50 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
50 XX XX XX XX 9de3b1ab-eef9-4104-9298-668f6bdd5470 XX XX XX Pre-QM QC Complete Indiana XX Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) As per document the property type is manufactured Housing.    
50 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) TIL is not signed by the borrower.    
50 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Indiana XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
50 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
50 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
50 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
49 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
49 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all borrowers.    
49 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by all borrowers.    
49 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
49 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Georgia XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per Appraisal report property value is $XX and the loan amount is $XX which is more than appraisal value. So, CLTV shows more than 104%.    
49 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Georgia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
49 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
47 XX XX XX XX c23a2eb9-a8db-4d55-a62b-42585231fc2c XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Date after actual transaction date (Lvl 2) Final TIL date 5/XX/2001 after actual transaction date.    
47 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Georgia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application missing from loan file.    
47 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing for

This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
47 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by all borrowers.    
47 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
47 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all borrowers.    
47 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
43 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Florida XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
43 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Florida XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
43 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Florida XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per Appraisal report value is $XX and the loan amount is of $XX. which is more than appraisal value. So, CLTV shows more than 104%.    
43 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Florida XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from loan file.    
43 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Florida XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
43 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Florida XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
43 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Florida XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
43 XX XX XX XX 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f XX XX XX Pre-QM QC Complete Florida XX Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
36 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
36 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
36 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
36 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Pennsylvania XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
32 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Vermont XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per Application report, DTI is 84% as income is $2935.49 and total expenses are $2471.33.    
32 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
32 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Vermont XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all borrowers.    
32 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Vermont XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Final TIL is not hand dated by all borrowers.    
32 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Vermont XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the Vermont high rate loan test.
This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan section of the full ComplianceAnalyzer report.
While the Vermont High Rate 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 high right loans even if the additional conditions are met.

This loan did not pass the prohibited fees test.
The Vermont statutes provide that only those fees expressly permitted may be charged.
The loan data is $3,422.00 and comparison data is $0.00; the variance is +$3,422.00.		    
32 XX XX XX XX 9de3b1ab-eef9-4104-9298-668f6bdd5470 XX XX XX Pre-QM QC Complete Vermont XX Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) As per Appraisal report property is Manufactured Housing.    
29 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
29 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
29 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
29 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan data is 5.000% and comparison data is 3.000%; hence, the variance is +2.000%
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.		    
29 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Massachusetts XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 dated 04/XX/2006, the total monthly income is in the amount of $2,600.00 and the total monthly expenses are in the amount of $905.98
The DTI is calculated as 100.808% which is exceeding 60% DTI limit		    
29 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
29 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Massachusetts XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
28 XX XX XX XX 9de3b1ab-eef9-4104-9298-668f6bdd5470 XX XX XX Pre-QM QC Complete Maine XX Valuation Property Active 1: Acceptable * Property is Manufactured Housing (Lvl 1) Home is not affixed. According to the appraisal report dated 5/XX/2004 subject property is “Manufactured Home”. Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not.    
28 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Maine XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
28 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Maine XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator Is Elevated.
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
28 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Maine XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
28 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Maine XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand-dated by the borrower.    
28 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Maine XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
27 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
27 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
27 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.
Loan data shows 5% and comparison data shows 2.00% the variance is +3.00%.		    
27 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
27 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
27 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by all the borrowers.    
27 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete New York XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
27 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
27 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
26 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing for

This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
26 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
26 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
26 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer document is missing from loan file.    
26 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
26 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
26 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
26 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
26 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
25 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Maryland XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
25 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Maryland XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as located at "XX".    
25 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Maryland XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) This loan failed the documentation type test the document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No
Income Verification," "Reduced," or "Streamline Refinance.		    
24 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
24 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
24 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
22 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
22 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
22 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New York XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from loan files values taken from "XX".    
22 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete New York XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 the total monthly income is in the amount of $2,696.00 and the total monthly expenses are in the amount of $1187.09
The DTI is calculated as 75.782% which is exceeding 60% DTI limit.		    
22 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the NY subprime home loan test.
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.

The loan data is 9.742%  and comparison data is 8.290%  hence, the variance is +1.452%		    
19 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
19 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Texas XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file. The Exterior only Appraisal report located at"XX1"    
19 XX XX XX XX 151458ae-c27c-4260-aba8-011b4109fad0 XX XX XX Pre-QM QC Complete Texas XX Credit Credit Active 2: Acceptable with Warnings * Mortgage Not Recorded (Lvl 2) The loan was originated on 10/XX/2008. The recorded copy of mortgage is missing from the loan file. Unrecorded copy is located at “XX.    
19 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
19 XX XX XX XX a473996e-5530-49ec-9a8c-484a8d80be39 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Mortgage not properly executed (Lvl 2) The Subject Mortgage Was not Executed Properly. The Unexecuted copy is located at"XX6”.    
19 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
16 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
16 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Mississippi XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from loan files.    
16 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Compliance Ease Risk indicator is elevated as this loan fail GSE Predatory Lending Guidance.    
16 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
16 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Mississippi XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The appraised value per tape is $XX, and the loan amount is $XX.LTV is calculated as 105.435% which is exceeding 100%.    
14 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
14 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is elevated as the loan is failed for
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
14 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete New Mexico XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
14 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
10 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Rhode Island XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing for
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
10 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Rhode Island XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
10 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Rhode Island XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
10 XX XX XX XX 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 XX XX XX Pre-QM QC Complete Rhode Island XX Credit Doc Issue Active 2: Acceptable with Warnings * Missing required 1-4 family rider (Lvl 2) As per Appraisal occupancy is 2-Family hence required 1-4 family rider is missing.    
10 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Rhode Island XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate because it is understated by more than $100.

The loan data is $250,603.70 and comparison data is $318,543.51; the variance is -$67,939.81.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate for purposes of rescission because it is understated by more than $35.

The loan data is $250,603.70 and comparison data is $318,643.51; the variance is -$68,039.81.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.212%. The disclosed APR of 7.030% 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 is 7.030% and comparison data is 8.212%; the variance is -1.182%.		    
10 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Rhode Island XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
6 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing for
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
6 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure missing from loan file.    
6 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
6 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate because it is understated by more than $100.
The loan data is $125,425.69 and comparison data is $168,867.65; the variance is -$43,441.96.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $125,425.69 and comparison data is $168,967.65; the variance is -$43,541.96.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.240%. The disclosed APR of 8.570% 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 is 8.570% and comparison data is 10.240%; the variance is -1.670%.		    
6 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
4 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Ohio XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
4 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is elevated as the loan is failed for
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
4 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Ohio XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The uniform appraisal report is missing from the loan file. The values are updated as per the tape data, and the appraisal value is $XX and the loan amount is $XX; therefore, LTV / CLTV show 175.440%, which exceeds 104%.    
4 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
4 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
4 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Ohio XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
285 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
285 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $255,390.98. The disclosed finance charge of $255,321.67 is not considered accurate for purposes of rescission because it is understated by more than $35.

The loan data is $255,321.67 and comparison data is $255,390.98; the variance is -$69.31.		    
285 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $12,552.95 and allowed is $5,351.20 however over charged by +$7,201.75. Borrower has been charged with loan discount fee of $1,150.00; however bonafide disclosure is missing to confirm the points are bonafide. Affirmative claims can be made within 3 years of origination and the Note date is 03/XX/2007. SOL has been expired.
Fees included-
Loan Discount Fee paid by Borrower: $1,150.00
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Processing Fee paid by Borrower: $765.00
Underwriting Fee paid by Borrower: $749.00
Flood Determination - Life of Loan Fee paid by Borrower: $7.00
Tax Related Service Fee paid by Borrower: $50.00
 Settlement / Closing / Escrow Fee paid by Borrower: $150.00
Title Courier Fee paid by Borrower: $150.00
Recording Service Fee paid by Borrower: $4.95
Max Prepayment Penalty / Termination Fee $4,577.00


This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))
The covered loan includes a prepayment penalty.		    
285 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
279 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
279 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
Dropped XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-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.		    
Dropped XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Minnesota XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
267 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
267 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of Rescission not hand dated by borrower    
267 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing or Unexecuted    
267 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete New York XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) The borrower DTI is 62.515% which exceeds 60%.    
264 XX XX XX XX ff7a8c7e-a02d-4c18-abd5-a20a8434af89 XX XX XX Pre-QM QC Complete Indiana XX Credit Doc Issue Active 1: Acceptable * Missing Title evidence (Lvl 1) Final title policy at the time of origination along with commitment and preliminary report is missing from the loan file.    
264 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
264 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
264 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
263 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $13,694.95 and allowed is $6,792.82, however it is over charged by +$6,902.13.
Affirmative claims can be made within 5 years of the closing and that the Note date is 07/XX/2006. SOL has been expired.

Fees Included-
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Yield Spread Premium (Indirect / POC) $1,420.00
Processing Fee paid by Borrower: $699.00
Underwriting Fee paid by Borrower: $649.00
Wire Transfer Fee paid by Borrower: $3.95
Attorney's Fee paid by Borrower: $100.00
Funding, Wire, or Disbursement Fee paid by Borrower: $31.00
Max Prepayment Penalty Amount $6,532.00

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))
The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month
following the loan closing.		    
263 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
261 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Illinois XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 dated 4/XX/2006, the total monthly income is in the amount of $$7,354.55 and the total monthly expenses are in the amount of $4,981.31. The DTI is calculated as 67.639% which is exceeding 60% DTI limit.    
261 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate because it is understated by more than $100.
The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02

This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.625%. The disclosed APR of 10.493% 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 is 10.493% and comparison data is 10.625%; the variance is -0.132%		    
261 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) This loan is failing IL HRHLA High Risk Home Loan APR Threshold Test.
APR charged is 10.625% and allowed is 10.590% however it is over by +0.035%.
Any affirmative claims can be made within 5 years of closing and that the Note date is 04/XX/2006. SOL for affirmative claims has been expired; however borrower may bring defensive claims at any time during the loan term after an action to foreclose on collateral.

This loan failed the DTI presumption test as the debt-to-income ratio of the consumer was not provided.		    
260 XX XX XX XX 399d40af-a75c-4340-9c3c-97eadb98a8dc XX XX XX Pre-QM QC Complete Indiana XX Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The loan is purchase loan and as per HUD 1 CAS TO BORROWER is $200.00.    
260 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) ComplianceEase risk indicator is Moderate as loan is failing for

This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
260 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Indiana XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The loan was originated on 7/XX/2006 The final 1003 is missing from the loan file. The Initial copy is dated as 6/XX/2006 located at “XX”    
260 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
260 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is Moderate as loan is failing for

This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
260 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
257 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
257 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
257 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
257 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
257 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
257 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
254 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed due to IN License Validation Test.    
254 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
254 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file.    
254 XX XX XX XX c3e6361e-df5f-4c53-9b34-b137e5a1b580 XX XX XX Pre-QM QC Complete Indiana XX Credit Credit Active 2: Acceptable with Warnings * LTV / CLTV > 100% (Lvl 2) Appraisal report is missing from the loan file. The appraisal value per tape data is $XX and the loan amount is $XX The LTV is greater than 100%.    
254 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
254 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Indiana XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
254 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine.    
254 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Indiana XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Appraisal report is missing from the loan file. The appraisal value per tape data is $XX and the loan amount is $XX. The LTV is greater than 104%.    
254 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
251 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete West Virginia XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The appraised value per tape is $XXand the loan amount is $XX. The LTV is calculated as 137.30% which exceeds 104%.    
251 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE result failed due to Late Fees Test.    
251 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file.    
251 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete West Virginia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
251 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.
Late Fees Test: FAIL loan data $41.06 comparison data $15.00 variance+$26.06.		    
251 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
251 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
250 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
250 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
249 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,832.95 and allowed is $6,994.75, however it is over charged by +$838.20.
Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.

Fees Included-
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Yield Spread Premium (Indirect / POC) $735.00
Processing Fee paid by Borrower: $595.00
Underwriting Fee paid by Borrower: $649.00
Document Preparation Fee paid by Borrower: $3.95
Settlement / Closing / Escrow Fee paid by Borrower: $400.00
Title Courier Fee paid by Borrower: $155.00		    
249 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
249 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
243 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
243 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
243 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,877.95 and allowed is $3,844.83, however it is over charged by +$1,033.12.
Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.

Fees Included-
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Processing Fee paid by Borrower: $495.00
Underwriting Fee paid by Borrower: $649.00
Settlement / Closing / Escrow Fee paid by Borrower: $450.00
Funding, Wire, or Disbursement Fee paid by Borrower: $3.95		    
243 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan files    
242 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
242 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
242 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Ohio XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 missing from loan files values taken from initial application.    
242 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
242 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Ohio XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
241 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing.    
241 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure missing in loan file.    
240 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
232 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Maryland XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
232 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Maryland XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
232 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Maryland XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
231 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan failed the application fees test.		    
231 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete West Virginia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
231 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan files.    
231 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete West Virginia XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Appraisal is missing. The Appraised value is $XX and the loan amount is $XX. The LTV is calculated as 116.379% which is exceeding 104%.    
231 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) The right of rescission is missing from the loan files.    
231 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.
Late Fees Test: FAIL The loan data is $35.11, the comparison data is $15.00 and the variance is +$20.11
This loan failed the application fees test. (WVC § 31-17-8 (g))
The loan charges an application fee.
Application Fee Test: FAIL		    
231 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan files.    
231 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan files.    
228 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Kentucky XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan files.    
228 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Kentucky XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
228 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Kentucky XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
222 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
222 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
222 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $6,281.50 and allowed is $5,986.71, however it is over charged by +$294.79.
Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2005. SOL has been expired.

Fees Included-
Loan Origination Fee paid by Borrower: $3,680.00
Underwriting Fee paid by Borrower: $500.00
Courier / Messenger Fee paid by Borrower: $6.50
Wire Transfer Fee paid by Borrower: $375.00
Settlement / Closing / Escrow Fee paid by Borrower: $395.00
Title Courier Fee paid by Borrower: $75.00
Max Prepayment Penalty Amount $1,250.00		    
222 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
222 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from loan file.    
222 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Georgia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Loan Application is not sign by all borrower.    
Dropped XX XX XX XX aa5d08d8-c45c-44bd-90e9-756b8134eb6c XX XX XX Pre-QM QC Complete Illinois XX Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) Prepayment rider is missing from the loan file.    
Dropped XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated Business Disclosure missing from loan files.    
Dropped XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.216%. The disclosed APR of 0.000% 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 loan data is 0.000%  and comparison data is 8.216%  hence, the variance is -8.216%		    
Dropped XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
Dropped XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Illinois XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 dated 10/XX/2005, the total monthly income is in the amount of $5,437.43 and the total monthly expenses are in the amount of $6075.18
The DTI is calculated as 111.729% which is exceeding 60% DTI limit		    
Dropped XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Illinois XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrower.    
Dropped XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
218 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing or Unexecuted    
218 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
210 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing or Unexecuted    
210 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
210 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure missing from loan file.    
210 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,923.94 and allowed is $5,737.65, however it is over charged by +$2,186.29.
Affirmative claims can be made within 5 years of the closing and that the Note date is 08/XX/2005. SOL has been expired.

Fees Included-
Loan Origination Fee paid by Borrower: $3,570.00
Underwriting Fee paid by Borrower: $395.00
Settlement / Closing / Escrow Fee paid by Borrower: $195.00
Title Courier Fee paid by Borrower: $13.94
Max Prepayment Penalty Amount $3,750.00

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))
The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month
following the loan closing.

This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income.		    
210 XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Georgia XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 dated 8/XX/2005, the total monthly income is in the amount of $3,833.00 and the total monthly expenses are in the amount of $2,653.43. The DTI is calculated as 69.226% which is exceeding 60% DTI limit.    
210 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure missing in loan files    
209 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing.    
209 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
207 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
207 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
207 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
207 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
203 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
203 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,245.50 and allowed is $3,128.09, however it is over charged by +$117.41.
Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2005. SOL has been expired.

Fees Included-
Yield Spread Premium (Indirect / POC) $1,280.00
Underwriting Fee paid by Borrower: $799.00
Administration Fee paid by Borrower: $6.50
Settlement / Closing / Escrow Fee paid by Borrower: $100.00
Attorney's Fee paid by Borrower: $350.00
Title Courier Fee paid by Borrower: $70.00
Max Prepayment Penalty Amount $640.00		    
203 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
203 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
203 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
201 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds    
201 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) The ROR report is missing from the loan file.    
201 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Georgia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
201 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Georgia XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Appraisal is missing. The Appraised value is $XX and the loan amount is $XX. The LTV is calculated as 110.169% which is exceeding 104%.    
201 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan files.    
201 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
201 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan files.    
201 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan files.    
195 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
195 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
195 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Michigan XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
193 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Georgia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Application document is missing from loan file.    
193 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate because it is understated by more than $100.

The loan data is $151,313.23 and comparison data is $151,797.88; the variance is -$484.65.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate for purposes of rescission because it is understated by more than $35.

The loan data is $151,313.23 and comparison data is $151,897.88; the variance is -$584.65.		    
193 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,154.90 and allowed is $4,631.37, however it is over charged by +$523.53.
Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2004. SOL has been expired.

Fees Included-
Loan Discount Fee paid by Borrower: $2,844.90
Application Fee paid by Borrower: $360.00
Processing Fee paid by Borrower: $626.00
Administration Fee paid by Borrower: $239.00
Appraisal Review Fee paid by Borrower: $125.00
Settlement / Closing / Escrow Fee paid by Borrower: $325.00
Attorney's Fee paid by Borrower: $550.00
Title Courier Fee paid by Borrower: $60.00
Subordination Recording Fee paid by Borrower: $25.00		    
193 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
193 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
192 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing.    
192 XX XX XX XX c7478320-5532-4499-9e75-67c2535004af XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The settlement date is different from the note/closing date.    
192 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
185 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. 
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
185 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test. and This loan failed the TILA APR test
The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%.		    
185 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test
The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%.		    
185 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
185 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan files    
185 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
185 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
185 XX XX XX XX 04676c2d-9111-4e5e-859e-db974cdb7b7a XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
182 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
The loan data is 5.000% and comparison data is 2.000%, the variance is +3.000%

This loan failed the prepayment term test. FAIL
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.
The loan data is 24 Months and comparison data is 0 Month, the variance is 24 Months.		    
182 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
182 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
182 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
180 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
180 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
180 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Georgia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
180 XX XX XX XX 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf XX XX XX Pre-QM QC Complete Georgia XX Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per Appraisal report the appraisal value is $XX which is less than loan amount $XX and LTV is 120.638% which exceeds 104%.    
179 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
179 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,924.35 and allowed is $4,616.74, however it is over charged by +$307.61.
Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2004. SOL has been expired.

Fees Included-
Loan Origination Fee paid by Borrower: $1,211.35
Yield Spread Premium (Indirect / POC) $1,425.00
Processing Fee paid by Borrower: $337.00
Underwriting Fee paid by Borrower: $494.50
Warehousing Fee paid by Borrower: $6.50
Settlement / Closing / Escrow Fee paid by Borrower: $475.00
Title Courier Fee paid by Borrower: $25.00
Max Prepayment Penalty Amount $950.00

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))
The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month
following the loan closing.		    
179 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
179 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
178 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Compliance Ease risk indicator is Elevated due to
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
178 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business Disclosure is missing from the loan file.    
178 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
178 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
177 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
177 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
177 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Ohio XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
177 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Ohio XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
177 XX XX XX XX bbe82b12-eddd-4a07-9e0d-03ad80095bd9 XX XX XX Pre-QM QC Complete Ohio XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Not Signed by All Borrowers (Lvl 2) As per the final 1003 located at "XX", pages are incomplete.    
177 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Ohio XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
175 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
175 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
175 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
175 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrower.    
158 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Kentucky XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
158 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Kentucky XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
158 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Kentucky XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
157 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
154 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
154 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
A loan may provide for a delinquency charge on the amount of any payment in default for a period of not less than 10 days in an amount not to exceed the greater of five percent of the amount of the payment or $7.50.
PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for
such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

The loan data is 6.000% and comparison data is 5.000%; the variance is +1.000%.		    
154 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing for
This loan failed the late fees test.		    
154 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
149 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
149 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
149 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,116.50 and allowed is $4,527.33, however it is over charged by +$589.17.
Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2004. SOL has been expired.

Fees Included-
Loan Origination Fee paid by Borrower: $1,230.00
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Application Fee paid by Borrower: $6.50
Processing Fee paid by Borrower: $600.00
Underwriting Fee paid by Borrower: $500.00
Attorney's Fee paid by Borrower: $600.00
Max Prepayment Penalty Amount $950.00

This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income.		    
149 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
Dropped XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
Dropped XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
Dropped XX XX XX XX 140f46bf-c52f-473f-8d76-08a0744ba53f XX XX XX Pre-QM QC Complete Illinois XX Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per 1003 dated 5/XX/2003, the total monthly income is in the amount of $2,736.13 and the total monthly expenses are in the amount of $2,368.37 The DTI is calculated as 86.559% which is exceeding 60% DTI limit.    
141 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing for :
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
141 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
141 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
140 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Minnesota XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
140 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: The loan data is 6.600% and comparison data is 6.348; the variance is +0.252%    
140 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.  The finance charge is $137,400.81. The disclosed finance charge of $137,560.78 is not considered accurate for purposes of rescission because it is understated by more than $159.97. The loan data is $137,400.81 and comparison data is $137,560.78; the variance is -$159.97.    
140 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand-dated by the borrower.    
136 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
136 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
136 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
136 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
136 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
135 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
135 XX XX XX XX bb1c1688-1548-4cc5-bf6e-71a3be761d91 XX XX XX Pre-QM QC Complete West Virginia XX Credit Doc Issue Active 2: Acceptable with Warnings * Balloon Rider Missing (Lvl 2) The balloon rider is missing from the mortgage document    
135 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete West Virginia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
135 XX XX XX XX 9de3b1ab-eef9-4104-9298-668f6bdd5470 XX XX XX Pre-QM QC Complete West Virginia XX Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is not affixed. According to the appraisal report dated 11/XX/2002 subject property is “Manufactured Home”. Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not    
135 XX XX XX XX bbe82b12-eddd-4a07-9e0d-03ad80095bd9 XX XX XX Pre-QM QC Complete West Virginia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Not Signed by All Borrowers (Lvl 2) As per the final 1003 located at "XX", the pages are incomplete.    
135 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
135 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located..
The loan data is $27.00 and comparison data is $15.00; hence, the variance is +$12.00.

This loan failed the fees, compensation, and points test due to one of the following findings:
If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate,
evaluate, maintain or service the loan exceed 6% of the loan amount financed; or
If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed..
The loan data is $3,700.40 and comparison data is $2,812.50; hence, the variance is +$887.90.		    
134 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for.
Prepayment Term Test:		    
134 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan provides for a penalty for paying all or part of the principal before the date on which the principal is due.
The loan data is 36Months  and comparison data is 0Months hence, the variance is 36Months.		    
134 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
134 XX XX XX XX aa5d08d8-c45c-44bd-90e9-756b8134eb6c XX XX XX Pre-QM QC Complete Illinois XX Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) Prepayment rider is missing from the mortgage document.    
134 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Illinois XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand-dated by the borrower.    
133 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete New Mexico XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
133 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine.    
133 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
133 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the Prepayment Term Test:
The loan data is 36Months  and comparison data is 0Months. The variance is 36Months.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
133 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete New Mexico XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Prepayment Term Test:
The loan data is 36Months  and comparison data is 0Months. The variance is 36Months.		    
Dropped XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
Dropped XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for.
This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
Dropped XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
Dropped XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
Dropped XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Indiana XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
131 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.
Late Fees Test Loan Data $26.60 Comparison Data $15.00 Variance +$11.60

This loan failed the fees, compensation, and points test due to one of the following findings:
If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate, evaluate, maintain or service the loan exceed 6% of the loan amount financed; or
If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed.
Points Test Loan Data $2,800.00 Comparison Data $2,635.00, the Variance +$165.00		    
131 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete West Virginia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The application is missing from the loan file; it is located at "XX" and is the initial application report.    
131 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
131 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
131 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
131 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing for below test.
This loan failed the late fees test.
This loan failed the fees, compensation, and points test due.		    
131 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
130 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) State Regulations
Late Fees Test: FAIL		    
130 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete West Virginia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
130 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
130 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
130 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
130 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
130 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) State Regulations
Late Fees Test: FAIL
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15. (WVC §§ 46A-3-112, 46A-3-113).		    
124 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrower.    
124 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing.    
124 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete New York XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal is located at "XX" which is six months prior to the loan origination date of 4/XX/2002, but it is missing from the loan file.    
124 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
124 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate because it is understated by more than $100.
The loan data is $222,233.80 and comparison data is $222,364.84, the variance is -$131.04

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $222,233.80 and comparison data is $222,464.84, the variance is -$231.04		    
124 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete New York XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
117 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of Rescission not hand dated by borrower    
117 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk is Moderate
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located		    
117 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.
The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date
Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount
of the installment, not to exceed $15.
The loan data is $20.83 and comparison data is $15.00; the variance is +$5.83		    
117 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
117 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing or Unexecuted    
117 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure missing in loan files    
112 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
112 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
112 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000%		    
112 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Mississippi XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
112 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
112 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000%

This loan is not tested against the loan term test. ( Fannie Mae Announcement 2013-06 ) The loan term test does not apply to loans with a date creditor received application before January 10, 2014. NOT TESTED
This loan failed the prepayment penalty term test. (Fannie Mae 2006 Selling Guide, Part IV, 201.02) The loan charges a prepayment penalty with a term exceeding 3 years.		    
112 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Mississippi XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
112 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Mississippi XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
111 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure missing from loan file.    
111 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from loan file.    
111 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.

The loan data is 24Months and comparison data is 0Months; the variance is 24Months.

This loan failed the bona fide discount points test due to one of the following findings:
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.
The discount points are marked as bona fide but an undiscounted rate value was not provided.		    
111 XX XX XX XX c7478320-5532-4499-9e75-67c2535004af XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per Final HUD-1 Settlement date 12/XX/2000 is different from note date 12/XX/2000.    
111 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,648.09 and allowed is $2,191.05, however it is over charged by +$457.04.
Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 12/XX/2000. SOL has been expired.
Fees included-
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Flood Determination - Life of Loan Fee paid by Borrower: $18.00
Courier / Messenger Fee paid by Borrower: $10.00
Settlement / Closing / Escrow Fee paid by Borrower: $60.00
Max Prepayment Penalty Amount $460.09.

This loan failed the high-cost home loan DTI presumption as the debt-to-income ratio of the borrower was not provided.

This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])
The loan finances any points and fees or any other charges payable to third parties.		    
111 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
111 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR document is missing from loan file.    
111 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business is missing from loan file.    
111 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete North Carolina XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
111 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
108 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure missing in loan files.    
108 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Missing or Unexecuted    
108 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is moderate due to
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.
GSE Point and fees test.		    
108 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
108 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete New York XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
104 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file    
104 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure Missing from loan file.    
104 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,450.00 and allowed is $2,013.02, however it is over charged by +$436.98.
Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 10/XX/2000. SOL has been expired.
Fees included-
Loan Origination Fee paid by Borrower: $2,000.00
Attorney's Fee (Other) paid by Borrower: $25.00
Max Prepayment Penalty Amount $425.00

This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])
The loan finances any points and fees or any other charges payable to third parties.		    
104 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
104 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value not determine.    
104 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file    
104 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
92 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Michigan XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 is missing from the loan file. The values are taken as the note date and loan amount.    
92 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
92 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
92 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Michigan XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
92 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for
Prepayment Term Test		    
92 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
92 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
92 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
The loan data is 60Months  and comparison data is 36Months; the variance is 24Months.		    
15 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
15 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete Texas XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003/Application is missing from the loan file.    
246 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure Missing from loan file.    
246 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Texas XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
246 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
246 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index unable to determine.    
246 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Disclosed APR High-Cost Threshold Exception Test:
The loan data is 12.822%  and comparison data is 12.590%. The variance is +0.232%.
This loan failed the disclosed APR high-cost threshold exception test.
Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan
would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold
Test. As a result, this loan may not be acceptable to certain secondary market investors.		    
246 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
246 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate :

This loan failed the Disclosed APR High-Cost Threshold Exception Test:
The loan data is 12.822%  and comparison data is 12.590%. The variance is +0.232%.		    
233 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the disclosed APR high-cost threshold exception test.
Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors.		    
233 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing for:
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
233 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value at the time of origination is missing from the loan file.    
233 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan files.    
233 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Texas XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
229 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing for:
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
229 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Michigan XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from the loan file.    
229 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
229 XX XX XX XX 5fb7fe54-3138-4619-bc5b-74ec97254551 XX XX XX Pre-QM QC Complete Michigan XX Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow acct disclosure missing from the loan file.    
229 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
229 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Michigan XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
221 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
221 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for,
This loan failed the Indiana license validation test.		    
221 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. 
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
221 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
216 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
216 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
216 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete Illinois XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
216 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
216 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
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.		    
216 XX XX XX XX 5fb7fe54-3138-4619-bc5b-74ec97254551 XX XX XX Pre-QM QC Complete Illinois XX Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
216 XX XX XX XX a0d5a3be-496f-41d6-a958-ce4e3ccae8fe XX XX XX Pre-QM QC Complete Illinois XX Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
216 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete Illinois XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
204 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
204 XX XX XX XX bec64182-c833-4d46-b219-f92e4dbddf86 XX XX XX Pre-QM QC Complete Minnesota XX Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
199 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
199 XX XX XX XX 1914f248-79e8-48ad-914c-d5ebf2be1454 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
199 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete Indiana XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.
IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
198 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
198 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
198 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete Michigan XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
198 XX XX XX XX 114577c5-1e49-4a93-b506-e609711f1cef XX XX XX Pre-QM QC Complete Michigan XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing for:
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
145 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
145 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $14,909.50 and allowed is $7,810.83, however it is over charged by $7,098.67.
Affirmative claims can be made within 5 years of the closing and that the Note date is 02/XX/2004. SOL has been expired.
Fees Included-
Loan Discount Fee paid by Borrower: $400.00
Mortgage Broker Fee (Direct) paid by Borrower: $XX
Processing Fee paid by Borrower: $300.00
Underwriting Fee paid by Borrower: $688.00
Document Preparation Fee paid by Borrower: $6.50
Settlement / Closing / Escrow Fee paid by Borrower: $200.00
Title Courier Fee paid by Borrower: $25.00
Max Prepayment Penalty Amount $9,690.00

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1).

This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income.		    
145 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
145 XX XX XX XX 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 XX XX XX Pre-QM QC Complete Georgia XX Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand-dated by the borrower.    
142 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
142 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $274,739.36. The disclosed finance charge of $274,673.04 is not considered accurate for purposes of rescission because it is understated by more than $35
The loan data $274,673.04 and comparison data $274,739.36 ; The variance -$66.32		    
142 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
142 XX XX XX XX 613834f7-95c5-41c1-9d96-b0fe90fa7b84 XX XX XX Pre-QM QC Complete Georgia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $8,735.00 and allowed is $8,539.98, however it is over charged by $195.02.

Affirmative claims can be made within 5 years of the closing and that the Note date is 06/XX/2003. SOL has been expired.

Fees Included-
Loan Origination Fee paid by Borrower: $3,982.50
Yield Spread Premium (Indirect / POC) $885.00
Application Fee paid by Borrower: $350.00
Processing Fee paid by Borrower: $500.00
Underwriting Fee paid by Borrower: $666.00
Wire Transfer Fee paid by Borrower: $6.50
Attorney's Fee paid by Borrower: $450.00
Title Courier Fee paid by Borrower: $110.00
Funding, Wire, or Disbursement Fee paid by Borrower: $15.00
Max Prepayment Penalty Amount $1,770.00

This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))

This loan failed the high-cost home loan DTI presumption test as the debt-to-income ratio of the borrower was not provided.		    
116 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
116 XX XX XX XX e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.

TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.

TILA APR Test is fail Loan data is 12.030% and comparison data is 12.332%. Hence, the variance is -0.302%.		    
116 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.		    
116 XX XX XX XX d1561be4-6541-483e-8b80-c861989a61eb XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
116 XX XX XX XX d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 XX XX XX Pre-QM QC Complete West Virginia XX Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from the loan file.    
116 XX XX XX XX 57ebb2cd-7596-4166-9bd9-6f932a9e2595 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
116 XX XX XX XX 7709325a-27a3-41ef-8dbd-dbc188f4628c XX XX XX Pre-QM QC Complete West Virginia XX Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
116 XX XX XX XX e17a3838-56de-4fcb-8532-4289ad651a81 XX XX XX Pre-QM QC Complete West Virginia XX Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
116 XX XX XX XX 89913716-4c3d-4ad4-a3ef-a72950b08e98 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
116 XX XX XX XX 19abd04d-e9fc-4fd6-b82c-f953835303f0 XX XX XX Pre-QM QC Complete West Virginia XX Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
98 XX XX XX XX ff7a8c7e-a02d-4c18-abd5-a20a8434af89 XX XX XX Pre-QM QC Complete North Carolina XX Credit Doc Issue Active 1: Acceptable * Missing Title evidence (Lvl 1) Title Policy is missing from loan file.    
98 XX XX XX XX eb183a39-d7c5-4c18-a647-02593f673df8 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as the loan is failed for.
Bona Fide Discount Points Test.		    
98 XX XX XX XX 6dd06481-87c0-4254-8a00-d3f77c9b73b6 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
98 XX XX XX XX 6bb8959e-d04b-4210-a40d-4982cb6fe938 XX XX XX Pre-QM QC Complete North Carolina XX Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test due to one of the following findings:
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.
The discount points are marked as bona fide but an undiscounted rate value was not provided.