|
|
||||
|
|
||||
Unique ID loan id LoanID Seller Loan ID Servicer Loan ID Borrower Name Original Loan Amount State Note Date Application Date Occupancy Purpose QM Status Overall Grade Fitch Overall Rating Moody's Overall Rating DBRS Overall Rating S&P Overall Rating Credit Grade Fitch Credit Rating Moody's Credit Rating DBRS Credit Rating S&P Credit Rating Credit Exceptions Credit Exception Information Credit Exception Comments Property Grade Fitch Property Rating Moody's Property Rating DBRS Property Rating S&P Property Rating Property Exceptions Property Exception Information Property Exception Comments Compliance Grade Fitch Compliance Rating Moody's Compliance Rating DBRS Compliance Rating S&P Compliance Rating Compliance Exceptions Compliance Exception Information Compliance Exception Comments Seller Response Compensating Factors Subject to Predatory - Unable to Test Disposition
625488923 XXX XXX XXX XXX XXX $XXX VA 2/XX/2007 1/XX/2007 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625489216 XXX XXX XXX XXX XXX $XXX GA 3/XX/2004 2/XX/2004 Primary Refinance Rate/Term 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used SELLER - GENERAL COMMENT (2017/XX/18): Additional HUD provide GENERAL COMMENT (2017/XX/18): Additional HUD provide Yes TR HUD Deficiency
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any REVIEWER - GENERAL COMMENT (2017/XX/18): HUD not legible
applicable Federal, State or Local compliance testing.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 9/XX/2003.
625488655 XXX XXX XXX XXX XXX $XXX MD 7/XX/2008 7/XX/2008 Primary Purchase 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 -
Certificate not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
[2] Miscellaneous Compliance - Loan has been identified as FHA/VA application date located in file. Compliance tests were run using an application
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does date of 7/XX/2008 which is 0 months prior to consummation. A lookback was
not contain the following clauses:: Homestead Exemption Waiver performed to determine this application date. The final date used for testing
was 7/XX/2008.
625488742 XXX XXX XXX XXX XXX $XXX FL 3/XX/2006 3/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Government Documentation - Missing Document: FHA Case Number Assignment not 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization -
provided Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably did not disclose the closing fee of $XXX as a prepaid finance charge. The
[3] Application / Processing - Missing Document: Missing Final 1003 practicable time after using credit score. Lender's TIL reflects MI dropping off after 218 months, however, the audited TIL
[2] Closing / Title - Final Title Policy is missing. No evidence of title was [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # indicates MI should drop off after 216 months.
found in file. Assignment Date missing. Creditor application date used as FHA case # assignment
[2] Miscellaneous Compliance - Loan has been identified as FHA/VA date for purposes of any applicable compliance testing.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489096 XXX XXX XXX XXX XXX $XXX FL 8/XX/2008 7/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 -
Certificate not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
[3] Application / Processing - Missing Document: Missing Final 1003 application date located in file. Compliance tests were run using an application
[2] Miscellaneous Compliance - Loan has been identified as FHA/VA date of 7/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 6/XX/2008.
625489366 XXX XXX XXX XXX XXX $XXX FL 12/XX/2006 12/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2006 which is 0 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 12/XX/2006.
625487918 XXX XXX XXX XXX XXX $XXX MD 8/XX/2007 8/XX/2007 Primary Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488684 XXX XXX XXX XXX XXX $XXX CA 5/XX/2004 4/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 4/XX/2004.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489162 XXX XXX XXX XXX XXX $XXX IN 4/XX/2007 3/XX/2007 Investment Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 03/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2006.
625488189 XXX XXX XXX XXX XXX $XXX OH 8/XX/2005 7/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
625489699 XXX XXX XXX XXX XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance 3 D D D D 3 D D D D [3] Loan File - (Missing Doc) Incomplete loan images/file Loan File - (Missing Doc) Incomplete loan images/file: Incomplete Loan File. UTD Indeterminable
Note, Security and Final Title in the file, unable to run compliance.
625488406 XXX XXX XXX XXX XXX $XXX CA 7/XX/2003 4/XX/2003 Primary Refinance Cash-out - Debt Consolidation 3 D D D D [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: SELLER - GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. Yes TR Indeterminable
not contain the following clauses:: Homestead Exemption Waiver Missing Final HUD-1. No document containing fees provided. Any applicable REVIEWER - GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. Missing all
Federal, State or Local compliance testing is unreliable. fees and required information from other pages of HUD, so exception will remain.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure:
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing:
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 07/XX/2003 used as disbursement date for compliance testing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625487931 XXX XXX XXX XXX XXX $XXX CA 7/XX/2003 6/XX/2003 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2003.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488893 XXX XXX XXX XXX XXX $XXX TX 5/XX/2003 4/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2002.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489367 XXX XXX XXX XXX XXX $XXX CA 5/XX/2003 4/XX/2003 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2002.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488673 XXX XXX XXX XXX XXX $XXX CA 4/XX/2003 2/XX/2003 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625487928 XXX XXX XXX XXX XXX $XXX CA 5/XX/2003 4/XX/2003 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2002.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489687 XXX XXX XXX XXX XXX $XXX CA 5/XX/2003 4/XX/2003 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2002.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489495 XXX XXX XXX XXX XXX $XXX OK 5/XX/2003 3/XX/2003 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
ARM loan program disclosure not provided to the borrower. determine the reason for the under disclosure due to missing the itemization of
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate amount financed.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489633 XXX XXX XXX XXX XXX $XXX CA 5/XX/2003 4/XX/2003 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2002.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489460 XXX XXX XXX XXX XXX $XXX GA 12/XX/2001 11/XX/2001 Primary Refinance Rate/Term 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used SELLER - GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. Yes TR HUD Deficiency
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any REVIEWER - GENERAL COMMENT (2017/XX/08): Received page 1 of HUD. Missing all
applicable Federal, State or Local compliance testing. fees and needed information so exception will remain.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure:
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2001 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 06/XX/2001.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488605 XXX XXX XXX XXX XXX $XXX CA 11/XX/2004 11/XX/2004 Primary Purchase 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All File does not contain one month's asset statements for all funds used to 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance State Compliance - California Primary Residence Late Charge Percent Testing: -
conditions were not met qualify, most recent paystub with 30 days YTD history, and verbal VOE dated with timing requirements due to missing Initial Loan Application Date. Erroneous exception- California statute allows for a late charge of up to 6%;
[3] Application / Processing - FEMA Disaster Issue: Property is located in a within 10 days of closing as required by AUS findings. [2] State Compliance - California Primary Residence Late Charge Percent Testing: Note indicates penalty of 5% after 15 days.
FEMA Disaster area and has not been inspected.: FEMA Disaster Date: XX/XX/XXXX File does not contain most recent paystub with 30 days YTD history and verbal Note late charge exceeds maximum per state. Federal Compliance - Final TIL Finance Charge Under Disclosed: Variance is due
[3] Income Documentation - Income Docs Missing:: Borrower: XXX Paystubs (2004), VOE dated within 10 days of closing per AUS findings. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine to lender disclosing Escrow Fee as $XXX vs. $XXX on final HUD-1,
VVOE - Employment Only (2004) compliance with timing requirements due to missing Initial Loan Application
[3] Application / Processing - Missing Document: Missing Final 1003 Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2004 which is 0 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488683 XXX XXX XXX XXX XXX $XXX CA 4/XX/2003 3/XX/2003 UTD Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: Property is located in a 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
FEMA Disaster area and has not been inspected.: FEMA Disaster Date: XX/XX/XXXX ARM loan program disclosure not provided to the borrower.
[3] Insurance Documentation - Hazard Insurance Error: Subject hazard insurance [2] State Compliance - California Primary Residence Late Charge Percent Testing:
premium is missing from evidence of insurance. Note late charge exceeds maximum per state.
[3] Application / Processing - Missing Document: Approval not provided [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
[3] Credit Documentation - Missing Document: Credit Report not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Flood Certificate not provided provided to the borrower.
[3] Loan File - Missing Document: Hazard Insurance Policy not provided [2] General Appraisal Requirements - Due to lack of appraised value, compliance
[3] Application / Processing - Missing Document: Missing Final 1003 tests requiring an LTV were run off an assumed value of a contract sales price
[3] Application / Processing - Missing Document: Mortgage Loan Payoff Statement or original loan amount, whichever applies.
not provided [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[3] AUS Discrepancy / Guidelines Discrepancy - The hazard insurance policy does [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
not reflect the Lender as Payee. application date located in file. Compliance tests were run using an application
date of 03/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2002.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625489254 XXX XXX XXX XXX XXX $XXX NE 2/XX/2007 1/XX/2007 Primary Refinance UTD 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Yes TR Indeterminable
Missing Final HUD-1. No document containing fees provided. Any applicable
Federal, State or Local compliance testing is unreliable.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing:
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 02/XX/2007 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence
of application date located in file. Compliance tests were run using an
application date of 01/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date. The final date used
for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees
were used in testing.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Federal Compliance - (Missing Data) Missing Information to Determine
Origination Channel: Unable to determine the origination channel based on the
loan documents provided for review. The compliance review was performed with
using the equivalent evaluation that would be considered for an Origination
Channel of Retail.
625488438 XXX XXX XXX XXX XXX $XXX MD 2/XX/2007 1/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Creditor did not provide FACTA Credit Score Disclosure. determine under disclosure due to missing Itemization of Amount Financed.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 01/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 12/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488597 XXX XXX XXX XXX XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489053 XXX XXX XXX XXX XXX $XXX FL 12/XX/2007 11/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 12/XX/2007 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 06/XX/2007.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489178 XXX XXX XXX XXX XXX $XXX NJ 5/XX/2007 4/XX/2007 Primary Refinance Cash-out - Other 2 B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in 2 B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
file. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
[3] Application / Processing - Missing Document: Missing Final 1003 application date located in file. Compliance tests were run using an application
date of 04/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same
lender refi: Original Lender was not able to be determined. Unable to determine
if correct TILA rescission form was used.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing:
Missing RTC Signature Date. Unable to determine compliance with rescission
timing requirements.
[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required
Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all
parties whose ownership interest is or will be subject to the security interest.
625488617 XXX XXX XXX XXX XXX $XXX IL 10/XX/2006 9/XX/2006 Primary Refinance Cash-out - Other 2 B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in File does not contain either Preliminary or Final Title. 2 B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
file. Evidence of disbursement date not found in file. Security Instrument Notary Date
[3] Application / Processing - Missing Document: Missing Final 1003 of 10/XX/2006 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable
to determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided
Timely: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 09/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2006.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488370 XXX XXX XXX XXX XXX $XXX NJ 2/XX/2005 1/XX/2005 Primary Refinance UTD 3 C C C [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in File does not contain either Preliminary or Final Title. 3 C C C [3] State Compliance - New Jersey Home Loan (Late Charge): Unable to determine Late Charge
file. if loan contains an impermissible late charge due to missing information.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending
Act (HELOC): HELOC Brochure not provided to borrower.
[2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth
in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 01/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488114 XXX XXX XXX XXX XXX $XXX GA 11/XX/2006 11/XX/2006 Primary Purchase 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required Yes TR Indeterminable
Missing Final HUD-1. No document containing fees provided. Any applicable parties: TIL in file indicated to be final, expected funding date same as
Federal, State or Local compliance testing is unreliable. disbursement and/or note date but is not signed or dated by borrower so cannot
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM confirm that borrower received.
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing:
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 11/XX/2006 used as disbursement date for compliance testing.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489330 XXX XXX XXX XXX XXX $XXX WI 10/XX/2007 9/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 09/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
625488847 XXX XXX XXX XXX XXX $XXX OH 6/XX/2002 5/XX/2002 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 05/XX/2002 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum
calculated prepay of $XXX exceeds the state maximum of 1% of the original
balance ($XXX). Prepay language states prepay will not exceed maximum permitted
by applicable law.
625489205 XXX XXX XXX XXX XXX $XXX NY 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 08/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
625488770 XXX XXX XXX XXX XXX $XXX MI 7/XX/2004 7/XX/2004 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill -
of Rights Disclosure Not Provided Timely): Unable to determine compliance with
timing requirements due to missing Initial Loan Application Date.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling
Notice Not Provided Timely: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling
Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of
HUD-approved credit counseling agencies not provided to borrower at the time of
application.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/2004 which is 0 months prior to consummation. A lookback was
performed to determine this application date.
625487944 XXX XXX XXX XXX XXX $XXX WV 7/XX/1998 7/XX/1998 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does tests requiring an LTV were run off an assumed value of a contract sales price
not contain the following clauses:: Homestead Exemption Waiver or original loan amount, whichever applies.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/1998 which is 0 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 07/XX/1998, prior to three (3) business days from
transaction date of 07/XX/1998.
625489052 XXX XXX XXX XXX XXX $XXX WA 9/XX/2001 8/XX/2001 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not provided 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2001 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488834 XXX XXX XXX XXX XXX $XXX TX 5/XX/2002 5/XX/2002 Primary Refinance Rate/Term 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not provided: 2 B B B B [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: -
Valuation Type: Stated / Valuation Report Date: <empty> Missing Final TIL Signature Date. Unable to determine compliance with rescission
timing requirements.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
625489165 XXX XXX XXX XXX XXX $XXX FL 1/XX/2003 12/XX/2002 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: The under -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated disclosure is payment stream related due to lender's TIL reflecting MI being in
Finance Charge of $XXX in the amount of $XXX. force for 126 months, however based on loan amount and appraised value the MI
would be in force for 138 months.
625488961 XXX XXX XXX XXX XXX $XXX NY 7/XX/2004 6/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 06/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488917 XXX XXX XXX XXX XXX $XXX NY 1/XX/2005 12/XX/2004 Primary Purchase 1 A A A A 1 A A A A -
625489172 XXX XXX XXX XXX XXX $XXX FL 11/XX/2005 10/XX/2005 Second Home Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 10/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488071 XXX XXX XXX XXX XXX $XXX FL 3/XX/2006 2/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 02/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625489363 XXX XXX XXX XXX XXX $XXX AZ 5/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
[3] Application / Processing - Missing Document: Missing Final 1003 disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 05/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
625489449 XXX XXX XXX XXX XXX $XXX NY 9/XX/2007 8/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable -
rate disclosure: ARM loan program disclosure not provided to the borrower at
least three (3) days prior to consummation for a loan that did not start as an
ARM.
[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL
variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM
Booklet, not provided to the borrower at least three (3) days prior to
consummation for a loan that did not start as an ARM.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor
Application Date and Transaction Date used to determine rate used for testing.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625489428 XXX XXX XXX XXX XXX $XXX TX 12/XX/2007 11/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
625488337 XXX XXX XXX XXX XXX $XXX IL 5/XX/2008 1/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not provided: 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Valuation Type: Stated / Valuation Report Date: 04/XX/2008 Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488805 XXX XXX XXX XXX XXX $XXX WA 1/XX/2009 12/XX/2008 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of -
Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not
contain a disclosure summary of all material terms provided to borrower.
625488575 XXX XXX XXX XXX XXX $XXX FL 11/XX/2011 10/XX/2011 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that -
the interest rate was locked prior to closing
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor
Application Date and Transaction Date used to determine rate used for testing.
[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate:
RESPA (2010): Loan Amount on Final GFE does not match Note.
[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA
(2010): Initial payment on GFE does not match actual payment on loan.
[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate:
RESPA: Initial escrow account statement does not match charges on HUD-1/Final
Closing Disclosure.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide
Servicing Disclosure Statement.
[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair
Enforcement for Mortgage Licensing Act: NMLSR information not present on loan
application.
625488826 XXX XXX XXX XXX XXX $XXX FL 6/XX/2012 2/XX/2012 Investment Refinance Rate/Term 1 A A A A [3] Appraisal Documentation - Missing Document: Appraisal not provided: 1 A A A A -
Valuation Type: Stated / Valuation Report Date: <empty>
625488994 XXX XXX XXX XXX XXX $XXX TX 6/XX/2015 5/XX/2015 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation The subject property is located in a FEMA Disaster area. Provide a post-disaster [1] Value Discrepancy - Loan is to go in a securitization and reflects only one REVIEWER - GENERAL COMMENT (2020/XX/24): Regraded to EV1 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: No evidence Borrower -
inspection is dated prior to the most recent FEMA disaster.: Most Recent inspection verifying there was no damage to the subject. The inspection must valuation product when two are required. disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not received disclosure
Valuation Inspection Date: XX/XX/XXXX include exterior photos of the subject. provided to the borrower. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: No
Disaster End Date: XX/XX/XXXX Tax certificate (D0190) which shows taxes at an annual amount of $XXX. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: evidence Borrower received disclosure
Disaster Name: XXX RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Discounted
Disaster Declaration Date: XX/XX/XXXX [2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Interest Rate Fully Indexed Rate Inaccurate: The fully-indexed rate on the Final
[2] General - The Investor's qualifying total debt ratio is less than the QM Discounted Interest Rate Fully Indexed Rate Inaccurate: Truth in Lending Act TIL does not match the fully-indexed rate for the loan. Fully indexed rate
qualifying total debt ratio.: Investor's qualifying DTI: 25.94132% (MDIA 2011): The fully-indexed rate on the Final TIL does not match the disclosed on final TIL states 3.019 and system states 3.00. Difference is due to
QM qualifying DTI: 28.85902% fully-indexed rate for the loan. rounding.
625489012 XXX XXX XXX XXX XXX $XXX MI 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure does not match terms of loan.
XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure:
Inspection Date: XX/XX/XXXX ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488948 XXX XXX XXX XXX XXX $XXX TX 7/XX/2006 3/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488665 XXX XXX XXX XXX XXX $XXX OH 4/XX/2004 2/XX/2004 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date: XX/XX/XXXX
625488547 XXX XXX XXX XXX XXX $XXX KY 2/XX/2004 1/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days instructions indicate the Index used was 1.182%. The lowest Index available
XX/XX/XXXX of application. within the Look-back period is 1.19%.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488671 XXX XXX XXX XXX XXX $XXX MI 1/XX/2004 1/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days instructions indicate the Index used was 1.1%. The closest Index available in
XX/XX/XXXX of application. our look-back period is 1.19%.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill
of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection
Act: Borrower Bill of Rights disclosure not provided to borrower at the time of
application.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling
Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer
Caution and Home Ownership Counseling Notice not provided to borrower at the
time of application.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling
Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved
credit counseling agencies not provided to borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488713 XXX XXX XXX XXX XXX $XXX NC 10/XX/2001 9/XX/2001 Second Home Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of did not disclose the closing attorney fee of $XXX the attorney review fee of
XX/XX/XXXX application date located in file. Compliance tests were run using an application $XXX or the assignment recording fee of $XXX as prepaid finance charges.
Inspection Date: XX/XX/XXXX date of 9/XX/2001 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 4/XX/2001.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489502 XXX XXX XXX XXX XXX $XXX IN 6/XX/2006 6/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
625489048 XXX XXX XXX XXX XXX $XXX KY 1/XX/2004 12/XX/2003 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489176 XXX XXX XXX XXX XXX $XXX OH 1/XX/2004 12/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
Inspection Date: XX/XX/XXXX compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 7/XX/2003.
625489627 XXX XXX XXX XXX XXX $XXX MA 6/XX/2006 5/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days did not disclose an escrow waiver fee of $XXX as a prepaid finance charge.
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488430 XXX XXX XXX XXX XXX $XXX UT 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 4/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2005.
625489560 XXX XXX XXX XXX XXX $XXX MA 11/XX/2003 11/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file Federal Compliance - ARM Disclosure Status: Date Sent or Date Signed were not -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: contains ARM Disclosure due to missing information. provided.
XX/XX/XXXX
Inspection Date: XX/XX/XXXX
625488895 XXX XXX XXX XXX XXX $XXX SC 5/XX/2006 4/XX/2006 Primary Purchase 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 3 C C C C [3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than Tested TR Tested
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: notary/security instrument date. notary/security instrument date.: Disbursement date: 5/XX/2006. Notary date on
XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: the mortgage 5/XX/2006.
Inspection Date: XX/XX/XXXX ARM loan program disclosure not provided to the borrower within three (3) days
[3] Application / Processing - Missing Document: Missing Final 1003 of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625489182 XXX XXX XXX XXX XXX $XXX WI 2/XX/2004 1/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488986 XXX XXX XXX XXX XXX $XXX NH 4/XX/2006 1/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488561 XXX XXX XXX XXX XXX $XXX AZ 11/XX/2003 11/XX/2003 Primary Refinance Cash-out - Debt Consolidation 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization Yes TR Indeterminable
Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, of amount financed did not include the wire fee of $XXX the courier fee of $XXX
State or Local compliance testing. the application fee of $XXX as prepaid finance charges.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2003 which is 0 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2003.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489291 XXX XXX XXX XXX XXX $XXX CA 3/XX/2008 2/XX/2008 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used No TNR Testing Not Required
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any
applicable Federal, State or Local compliance testing.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 2/XX/2008.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489466 XXX XXX XXX XXX XXX $XXX NJ 4/XX/2006 2/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date:
625488106 XXX XXX XXX XXX XXX $XXX KY 8/XX/2003 2/XX/2003 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file -
contains ARM Disclosure due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489562 XXX XXX XXX XXX XXX $XXX MI 9/XX/2003 8/XX/2003 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling
Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved
credit counseling agencies not provided to borrower.
625488224 XXX XXX XXX XXX XXX $XXX MN 3/XX/2006 2/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
625489451 XXX XXX XXX XXX XXX $XXX GA 8/XX/2003 7/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not determine under disclosure due to missing itemization of amount financed.
XX/XX/XXXX provided to the borrower.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488309 XXX XXX XXX XXX XXX $XXX AZ 2/XX/2008 1/XX/2008 Investment Purchase 1 A A A A [2] Closing / Title - Final Title Policy is missing. No evidence of title was 1 A A A A -
found in file.
625489446 XXX XXX XXX XXX XXX $XXX MA 2/XX/2006 2/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
Inspection Date: XX/XX/XXXX compliance with timing requirements due to missing Initial Loan Application
[3] Application / Processing - Missing Document: Flood Certificate not provided Date.
[2] Closing / Title - Final Title Policy is missing. No evidence of title was [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
found in file. Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2006 which is 0 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 2/XX/2006.
625488570 XXX XXX XXX XXX XXX $XXX AZ 2/XX/2006 1/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625488216 XXX XXX XXX XXX XXX $XXX MD 3/XX/2008 2/XX/2008 Investment Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 2/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 1/XX/2008.
625489282 XXX XXX XXX XXX XXX $XXX MD 1/XX/2006 1/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489396 XXX XXX XXX XXX XXX $XXX IL 10/XX/2000 7/XX/2000 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
625489573 XXX XXX XXX XXX XXX $XXX CT 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Flood Certificate not provided provided to the borrower.
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
(MIC) not provided Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 7/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488035 XXX XXX XXX XXX XXX $XXX OH 5/XX/2002 2/XX/2002 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation Loan package from 2002- no inspection from 2006 available 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: Final loan application not found in package ARM loan program disclosure not provided to the borrower. determine as the file did not contain an itemization of amount financed.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Missing Final 1003 provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 5/XX/2002, prior to three (3) business days from
transaction date of 5/XX/2002.
625489160 XXX XXX XXX XXX XXX $XXX OH 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625488629 XXX XXX XXX XXX XXX $XXX TX 8/XX/2000 6/XX/2000 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date:
625489128 XXX XXX XXX XXX XXX $XXX MA 11/XX/2005 10/XX/2005 Primary Refinance Cash-out - Other 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 3 C C C C [3] State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit State - NC
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: Test: Massachusetts Home Loan: Unable to determine if mortgage loan was
XX/XX/XXXX refinanced within 60 months without providing a tangible net benefit to the
Inspection Date: borrower due to missing prior loan information.
[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure:
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488285 XXX XXX XXX XXX XXX $XXX MA 12/XX/2007 11/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
Inspection Date: XX/XX/XXXX compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2007.
625489437 XXX XXX XXX XXX XXX $XXX IN 12/XX/1999 12/XX/1999 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date:
[3] Application / Processing - Missing Document: Missing Final 1003
625489462 XXX XXX XXX XXX XXX $XXX MA 10/XX/2005 9/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation FEMA disaster was after the original loan closing date 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure does not match terms of loan.
XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure:
Inspection Date: ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA
Credit Score Disclosure was provided due to missing information.
625489597 XXX XXX XXX XXX XXX $XXX FL 9/XX/2005 8/XX/2005 Second Home Purchase 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 1 A A A A -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date:
XX/XX/XXXX
Inspection Date:
[3] Application / Processing - Missing Document: Flood Certificate not provided
[3] Application / Processing - Missing Document: Missing Final 1003
625488908 XXX XXX XXX XXX XXX $XXX SC 10/XX/1999 8/XX/1999 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488511 XXX XXX XXX XXX XXX $XXX MN 9/XX/2005 9/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days did not disclose the recording service fee of $XXX closing fee of $XXX or the
XX/XX/XXXX of application. title courier fee of $XXX as prepaid finance charges.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
[3] Application / Processing - Missing Document: Flood Certificate not provided Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489004 XXX XXX XXX XXX XXX $XXX WI 1/XX/2005 9/XX/2004 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not determine under disclosure due to missing itemization of amount financed.
XX/XX/XXXX provided to the borrower.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488392 XXX XXX XXX XXX XXX $XXX NY 9/XX/2005 8/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Flood Certificate not provided provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 8/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 8/XX/2005.
625489038 XXX XXX XXX XXX XXX $XXX FL 8/XX/2005 7/XX/2005 Second Home Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided -
Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special
Flood Hazard Disclosure within a reasonable time prior to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 2/XX/2005.
625488889 XXX XXX XXX XXX XXX $XXX IN 4/XX/1999 3/XX/1999 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489694 XXX XXX XXX XXX XXX $XXX IL 8/XX/2005 7/XX/2005 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date. did not disclose a courier fee of $XXX and a tax pick up fee of $XXX as prepaid
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine finance charge
Inspection Date: XX/XX/XXXX compliance with timing requirements due to missing Initial Loan Application
[3] Application / Processing - Missing Document: Flood Certificate not provided Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 7/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489364 XXX XXX XXX XXX XXX $XXX MA 9/XX/2005 7/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days appears to be due to lender selecting an index value not available in lookback
XX/XX/XXXX of application. period specified by Note. Variance indicated of $XXX/mo over 84 months after
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate first adjustment and $XXX/mo over final 240 of loan term,
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488178 XXX XXX XXX XXX XXX $XXX SC 8/XX/2007 7/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488919 XXX XXX XXX XXX XXX $XXX FL 7/XX/2005 6/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: contains ARM Disclosure due to missing information.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: XX/XX/XXXX disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Flood Certificate not provided provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided
Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special
Flood Hazard Disclosure within a reasonable time prior to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 6/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 6/XX/2005.
625489274 XXX XXX XXX XXX XXX $XXX MA 6/XX/2005 5/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Per Itemization -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days of Amount Financed, lender did not disclose $XXX Recording Service Fees, $XXX
XX/XX/XXXX of application. Wire Fee, and $XXX Courier Fee as pre-paid finance charges.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Missing Final 1003 provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488320 XXX XXX XXX XXX XXX $XXX IN 7/XX/2007 7/XX/2007 Investment Refinance Cash-out - Other 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 1 A A A A -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date:
XX/XX/XXXX
Inspection Date: XX/XX/XXXX
625488926 XXX XXX XXX XXX XXX $XXX MD 11/XX/2002 10/XX/2002 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: with timing requirements due to missing Initial Loan Application Date.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: XX/XX/XXXX disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2002 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 5/XX/2002.
625489150 XXX XXX XXX XXX XXX $XXX IL 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure does not match terms of loan. determine under disclosure due to missing itemization of amount financed.
XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure:
Inspection Date: XX/XX/XXXX ARM loan program disclosure not provided to the borrower within three (3) days
[3] Application / Processing - Missing Document: Flood Certificate not provided of application.
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
(MIC) not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488677 XXX XXX XXX XXX XXX $XXX GA 7/XX/2007 6/XX/2007 Investment Refinance Rate/Term 3 D D D D [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used No TNR Testing Not Required
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any
XX/XX/XXXX applicable Federal, State or Local compliance testing.
Inspection Date: [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
[3] Application / Processing - Missing Document: Flood Certificate not provided application date located in file. Compliance tests were run using an application
date of 6/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 6/XX/2007.
625488883 XXX XXX XXX XXX XXX $XXX MI 5/XX/2005 1/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Payment Stream Variance: Final Truth In Lending
Disclosure has incorrect payment stream.
625488999 XXX XXX XXX XXX XXX $XXX MI 4/XX/2005 4/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
625488190 XXX XXX XXX XXX XXX $XXX FL 5/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
[3] Application / Processing - Missing Document: Missing Final 1003 disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
625488175 XXX XXX XXX XXX XXX $XXX CA 5/XX/2007 4/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance -
(Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not
provided. The applicable flood zone related testing cannot be performed.
625489512 XXX XXX XXX XXX XXX $XXX MN 4/XX/2007 3/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days determine under disclosure due to missing itemization of amount financed
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance -
(Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not
provided. The applicable flood zone related testing cannot be performed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489407 XXX XXX XXX XXX XXX $XXX CT 3/XX/2007 3/XX/2007 Investment Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: application date located in file. Compliance tests were run using an application
XX/XX/XXXX date of 3/XX/2007 which is 0 months prior to consummation. A lookback was
Inspection Date: performed to determine this application date. The final date used for testing
[3] Application / Processing - Missing Document: Flood Certificate not provided was 3/XX/2007.
625489263 XXX XXX XXX XXX XXX $XXX NJ 4/XX/2007 3/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days determine underdisclosure due to missing itemization of amount financed.
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489051 XXX XXX XXX XXX XXX $XXX OH 5/XX/2005 4/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2004.
625488173 XXX XXX XXX XXX XXX $XXX OH 3/XX/2005 2/XX/2005 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower. determine reason for under disclosure due to missing itemization of amount
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate financed.
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488474 XXX XXX XXX XXX XXX $XXX MN 11/XX/2004 11/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
(MIC) not provided provided to the borrower.
625488400 XXX XXX XXX XXX XXX $XXX AZ 3/XX/2007 3/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488141 XXX XXX XXX XXX XXX $XXX OH 11/XX/2004 10/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation Appraisal Indicates property has guest house 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: application date located in file. Compliance tests were run using an application
XX/XX/XXXX date of 10/XX/2004 which is 1 months prior to consummation. A lookback was
Inspection Date: XX/XX/XXXX performed to determine this application date. The final date used for testing
[2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal was 5/XX/2004.
Form 1004/70 used for incorrect Subject property type.: Valuation Type: [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Appraisal / Valuation Report Date: 10/XX/2004 3 Family Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625487948 XXX XXX XXX XXX XXX $XXX OH 11/XX/2004 10/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488059 XXX XXX XXX XXX XXX $XXX IN 11/XX/2004 10/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower within three (3) days of application.
Inspection Date: XX/XX/XXXX
625488642 XXX XXX XXX XXX XXX $XXX MA 11/XX/2004 6/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625487946 XXX XXX XXX XXX XXX $XXX NV 12/XX/2004 9/XX/2004 Second Home Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: Lender commitment -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated letter indicates the Index used was 2.043%. The closest Index available in our
Finance Charge of $XXX in the amount of $XXX. look-back period is 2.22%.
625488626 XXX XXX XXX XXX XXX $XXX MA 1/XX/2007 12/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489175 XXX XXX XXX XXX XXX $XXX MD 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 8/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 3/XX/2004.
625489352 XXX XXX XXX XXX XXX $XXX AZ 4/XX/2002 3/XX/2002 Primary Refinance Rate/Term 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to Yes TR HUD Deficiency
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any determine under disclosure due to missing itemization of amount financed.
applicable Federal, State or Local compliance testing.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488366 XXX XXX XXX XXX XXX $XXX SC 11/XX/2004 9/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625487988 XXX XXX XXX XXX XXX $XXX FL 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Settlement fee of -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure does not match terms of loan. $XXX Courier Fee of $XXX and Wire Fee of $XXX not included in finance charges
XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: per TIL itemization.
Inspection Date: ARM loan program disclosure not provided to the borrower within three (3) days
[3] Application / Processing - Missing Document: Missing Final 1003 of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488744 XXX XXX XXX XXX XXX $XXX MA 12/XX/2006 10/XX/2006 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower within three (3) days of application.
Inspection Date: XX/XX/XXXX
625489164 XXX XXX XXX XXX XXX $XXX CA 11/XX/2006 11/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
[3] Application / Processing - Missing Document: Flood Certificate not provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used
on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending
Act: Notice of Right to Cancel was not executed on the proper Model Form for a
refinancing by the same creditor. The H-8 form was used, the H-9 form should
have been used.
625488486 XXX XXX XXX XXX XXX $XXX MI 8/XX/2004 7/XX/2004 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling -
Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved
credit counseling agencies not provided to borrower.
625488307 XXX XXX XXX XXX XXX $XXX FL 11/XX/2006 10/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date: [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 5/XX/2006.
625489029 XXX XXX XXX XXX XXX $XXX FL 10/XX/2006 10/XX/2006 Primary Refinance Cash-out - Home Improvement 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
[3] Application / Processing - Missing Document: Missing Final 1003 ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488193 XXX XXX XXX XXX XXX $XXX SC 10/XX/2006 10/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation Loan package from 2006, inspection date post 2016 is not available 2 B B B B [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: Flood Cert not found in file (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not
XX/XX/XXXX provided. The applicable flood zone related testing cannot be performed.
Inspection Date: [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
[3] Application / Processing - Missing Document: Flood Certificate not provided Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488829 XXX XXX XXX XXX XXX $XXX CT 8/XX/2004 7/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charge -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not under disclosed Finance charge under disclosed $XXX. Unable to determine under
XX/XX/XXXX provided to the borrower. disclosure. TIL itemization disclosed total prepaid fees in the amount of $XXX.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of HUD reflects $XXX. The index value of 1.9160% was not available. The minimum
[3] Application / Processing - Missing Document: Missing Final 1003 application date located in file. Compliance tests were run using an application index available of 2.04000% was used. The interest rate increased from 7.25% to
date of 7/XX/2004 which is 1 months prior to consummation. A lookback was 7.375% from approval to closing.
performed to determine this application date. The final date used for testing
was 4/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625487934 XXX XXX XXX XXX XXX $XXX TX 11/XX/2006 9/XX/2006 Second Home Refinance Cash-out - Other 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 1 A A A A -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date:
XX/XX/XXXX
Inspection Date:
[3] Application / Processing - Missing Document: Flood Certificate not provided
[3] Application / Processing - Missing Document: Missing Final 1003
625488461 XXX XXX XXX XXX XXX $XXX CA 10/XX/2006 9/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 9/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 4/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488503 XXX XXX XXX XXX XXX $XXX UT 3/XX/2002 1/XX/2002 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file -
contains ARM Disclosure due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488613 XXX XXX XXX XXX XXX $XXX IN 10/XX/2006 9/XX/2006 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Final TIL payment -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not stream reflects MI dropping off after 76 months, however the HUD reflects MI
XX/XX/XXXX provided to the borrower. dropping off after 77 months.
Inspection Date: XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 9/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 4/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488837 XXX XXX XXX XXX XXX $XXX CT 10/XX/2006 9/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
XX/XX/XXXX provided to the borrower.
Inspection Date: [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[3] Application / Processing - Missing Document: Flood Certificate not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
[3] Application / Processing - Missing Document: Missing Final 1003 application date located in file. Compliance tests were run using an application
date of 9/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 9/XX/2006.
625488055 XXX XXX XXX XXX XXX $XXX AL 10/XX/2006 9/XX/2006 Second Home Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did
XX/XX/XXXX not retain record of borrower's receipt of Notice of Special Flood Hazard
Inspection Date: XX/XX/XXXX Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 9/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 9/XX/2006.
625488061 XXX XXX XXX XXX XXX $XXX CA 9/XX/2006 9/XX/2006 Investment Refinance Rate/Term 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: application date located in file. Compliance tests were run using an application
XX/XX/XXXX date of 9/XX/2006 which is 0 months prior to consummation. A lookback was
Inspection Date: XX/XX/XXXX performed to determine this application date. The final date used for testing
[3] Application / Processing - Missing Document: Flood Certificate not provided was 9/XX/2006.
625487968 XXX XXX XXX XXX XXX $XXX MI 5/XX/2004 4/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemiizatikon -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower. does not list the Origination fee of $XXX. As well it shows the Closing fee of
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate $XXX and the $XXX aplication fee as being paid by someone other than the
Inspection Date: XX/XX/XXXX disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not borrower. The payment stream is also off at month 121. The TIL stream has the
provided to the borrower. amount of $XXX for 60 months. However, the calculated stream shows it for 79
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In months.
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489435 XXX XXX XXX XXX XXX $XXX MI 5/XX/2004 4/XX/2004 Investment Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special
XX/XX/XXXX Flood Hazard Disclosure within a reasonable time prior to closing.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 4/XX/2004.
625489706 XXX XXX XXX XXX XXX $XXX AZ 9/XX/2006 8/XX/2006 Investment Purchase 1 A A A A 1 A A A A -
625488373 XXX XXX XXX XXX XXX $XXX MA 9/XX/2006 8/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower.
XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
Inspection Date: disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[3] Application / Processing - Missing Document: Flood Certificate not provided provided to the borrower.
625488694 XXX XXX XXX XXX XXX $XXX RI 8/XX/2006 8/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489619 XXX XXX XXX XXX XXX $XXX MI 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
inspection is dated prior to the most recent FEMA disaster.: Disaster Date: ARM loan program disclosure not provided to the borrower within three (3) days
XX/XX/XXXX of application.
Inspection Date: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625487966 XXX XXX XXX XXX XXX $XXX CA 4/XX/2012 3/XX/2012 Primary Refinance Cash-out - Other 2 B B B B [3] General - Initial Rate Lock rate date is not documented in file. 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set -
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor
Application Date and Transaction Date used to determine rate used for testing.
[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not
Provided Timely: RESPA (2010) - Borrower did not receive a list of service
providers at the time the Good Faith Estimate was provided.
625489195 XXX XXX XXX XXX XXX $XXX CA 8/XX/2012 6/XX/2012 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625487917 XXX XXX XXX XXX XXX $XXX CA 12/XX/2013 10/XX/2013 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625489319 XXX XXX XXX XXX XXX $XXX CA 11/XX/2013 10/XX/2013 Investment Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 10/XX/2013 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
625488460 XXX XXX XXX XXX XXX $XXX CA 8/XX/2012 7/XX/2012 Investment Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used No TNR Testing Not Required
For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used
for any applicable Federal, State or Local compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/2012 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
625489503 XXX XXX XXX XXX XXX $XXX CA 6/XX/2013 5/XX/2013 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd
Frank Test: Loan Originator Compensation: Dual compensation received from both a
consumer and person other than consumer.
[2] Federal Compliance - Possible Federal Loan Originator Compensation -
Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering
compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to
determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 05/XX/2013 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days
of Application: Unable to determine compliance with timing requirements due to
missing Initial Loan Application Date.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
RESPA: Initial escrow account statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of
application: Unable to test LO company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not
approved: Unable to test Individual Loan Originator license status due to
missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of
application: Unable to test Loan Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved:
Unable to test LO company status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan
Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable
to determine compliance with NMLSR timing requirements due to missing evidence
of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business
Days of Application: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate:
Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including
any mortgage insurance, on the Final TIL does not match the amount of taxes and
insurance, including any mortgage insurance, for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory
Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment
amount (PITI) on the Final TIL does not match the total payment amount for the
loan.
625488816 XXX XXX XXX XXX XXX $XXX CA 4/XX/2005 2/XX/2005 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated did not disclose the sign in fees of $XXX and $XXX subordination recording fee
Finance Charge of $XXX in the amount of $XXX. of $XXX and title courier fee of $XXX as prepaid finance charges. HUD disclosed
prepaid interest fee as $XXX and itemization disclosed as $XXX.
625488873 XXX XXX XXX XXX XXX $XXX CA 5/XX/1999 4/XX/1999 Primary Purchase 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing SELLER - GENERAL COMMENT (2023/XX/18): Full breakdown of final HUD can be found GENERAL COMMENT (2023/XX/18): Full breakdown of final HUD can be found in the No TNR Testing Not Required
Material: Missing Final HUD-1. No document containing fees provided. Any Material: Received only page 1 and a HUD addendum, need page 2 of HUD to in the Title Insurance Document pages 45-48 Title Insurance Document pages 45-48
applicable Federal, State or Local compliance testing is unreliable. complete testing. REVIEWER - GENERAL COMMENT (2023/XX/18): Unclear what specific document the
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: seller is referring to, however SAMC does not accept escrow instructions or
Evidence of disbursement date not found in file. Security Instrument Notary Date other similar documentation in lieu of a complete, fully executed HUD-1.
of 05/XX/1999 used as disbursement date for compliance testing. Exception remains.
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence
of application date located in file. Compliance tests were run using an
application date of 04/XX/1999 which is 1 months prior to consummation. A
lookback was performed to determine this application date. Due to missing HUD-1
or Closing Disclosure, no fees were used in testing.
625488516 XXX XXX XXX XXX XXX $XXX CA 2/XX/2014 12/XX/2013 Investment Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Compliance Determined -
Application Date: No evidence of application date located in file. Compliance
tests were run using an application date of 12/XX/2013. The source for this date
is Initial disclosures.
625488359 XXX XXX XXX XXX XXX $XXX CA 7/XX/2013 6/XX/2013 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2013 which is 1 months prior to consummation. A lookback was
performed to determine this application date.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days
of Application: Unable to determine compliance with timing requirements due to
missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of
application: Unable to test LO company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not
approved: Unable to test Individual Loan Originator license status due to
missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of
application: Unable to test Loan Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved:
Unable to test LO company status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan
Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable
to determine compliance with NMLSR timing requirements due to missing evidence
of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business
Days of Application: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA
2011): The "Maximum First Five Years" date on the Final TIL does not match the
date on which the first regular periodic payment will be due and the earliest
date on which that rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): The
"Maximum First Five Years" interest rate on the Final TIL does not match the
maximum interest rate that may apply during the first five (5) years of the
loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011):
The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does
not match the maximum total payment on the loan during the first five (5) years
for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever"
date on the Final TIL does not match the earliest date on which the maximum rate
may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First
Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First
Adjustment" date on the Final TIL does not match the first adjustment date for
the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Interest Payment Inaccurate: Truth in Lending Act (MDIA 2011): The
"Maximum First Five Years" interest payment on the Final TIL does not match the
maximum interest payment that may apply during the first five (5) years of the
loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Principal Payment Inaccurate: Truth in Lending Act (MDIA 2011):
The "Maximum First Five Years" principal payment on the Final TIL does not match
the maximum principal payment that may apply during the first five (5) years of
the loan.
625487915 XXX XXX XXX XXX XXX $XXX CA 11/XX/2013 7/XX/2013 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate -
disclosure: ARM loan program disclosure does not match terms of loan.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not
approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual
Loan Originator not in approved license status to conduct loan origination
activities.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used
on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending
Act: Notice of Right to Cancel was not executed on the proper Model Form for a
refinancing by the same creditor. The H-8 form was used, the H-9 form should
have been used.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever"
date on the Final TIL does not match the earliest date on which the maximum rate
may apply.
625487994 XXX XXX XXX XXX XXX $XXX CA 4/XX/2019 3/XX/2019 Primary Refinance Rate/Term Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate Federal Compliance - ARM Disclosure Timing Test: ARM disclosure provided REVIEWER - GENERAL COMMENT (2023/XX/13): Document provided cannot be used to -
Consent Agreement disclosure: ARM loan program disclosure not provided to the borrower within 3/XX/2019, which was not within 3 days of application. clear this condition. Please provide the list of at least 10 counseling
three (3) days of application. Federal Compliance - CHARM Booklet Disclosure Timing: CHARM disclosure provided agencies, along with date list was obtained.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate 3/XX/2019, which was not within 3 days of application.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not
provide List of Homeownership Counseling Organizations to borrower.
625488997 XXX XXX XXX XXX XXX $XXX CA 11/XX/2014 9/XX/2014 Primary Purchase Non QM 2 B B B B [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Two months bank statements were not provided as required per the guidelines. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Financial Institution: XXX // Account Type: Savings / Account Number: XXX Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Creditor did not provide a copy of each valuation to applicant three (3) applicant three (3) business days prior to consummation.
business days prior to consummation. (Type:Primary/10/XX/2014) Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not
[2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: Changed Circumstance not provided in file.
provided.: GFE Date: 11/XX/2014 Changed Circumstance not provided for GFE dated Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
11/XX/2014 from GFE dated 10/XX/2014 Organizations Missing: Creditor did not provide List of Homeownership Counseling
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations to borrower.
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing:
provide List of Homeownership Counseling Organizations to borrower. Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. escrow account statement was not provided to the borrower.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
RESPA: Initial escrow account statement was not provided to the borrower.
625488955 XXX XXX XXX XXX XXX $XXX CA 2/XX/2021 1/XX/2021 Primary Purchase Safe Harbor QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement not provided. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 -
Consent Agreement disclosure: ARM loan program disclosure not provided to the borrower within provided to the borrower within three (3) days of application. days of application.
[2] General - Loans with an application date after 10/XX/2020 using a LIBOR three (3) days of application. Federal Compliance - CHARM Booklet Disclosure Timing: Consumer Handbook on
Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within
02/XX/2021 disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not three (3) days of application.
provided to the borrower within three (3) days of application. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification of appraisal was delivered to
Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower borrower was not provided
waived right to receive a copy of the appraisal at least three (3) business days Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
prior to closing, and appraisal was not provided at or before closing. Cure Provided: Flood Certification Fee was not disclosed on Loan Estimate but
(Type:Primary/01/XX/2021) was disclosed as $XXX on the final CD. File does not a valid COC for this fee
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without cure provided at closing.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $XXX Cure Provided: Credit Repot Fee was last disclosed $XXX on LE but disclosed
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. as$XXX on Final CD. File does not contain COC for this file Cure provided at
(7531) closing
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (7520)
625488317 XXX XXX XXX XXX XXX $XXX CA 7/XX/2016 7/XX/2016 Investment Purchase 1 A A A A [3] Guideline Issue - Aged document: Asset Account date is more than 90 days Both accounts exceeds the 90 age of document reflected in the lender guidelines. REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business 1 A A A A -
prior to Closing.: Financial Institution: XXX // Account Type: Individual File is missing sufficient asset documentation to cover funds to close and income documentation. Condition remains.
Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // required extensive reserves due to properties owned. REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business
Account Type: Stocks / Account Number: XXX File is missing sufficient assets, all income documents for all borrowers, REO income documentation. Condition remains.
[3] Asset Documentation - Asset documentation requirements not met. supporting documentation. REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business
[3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All Borrower's are missing sufficient asset documentation to cover funds to close. income documentation. Condition remains.
conditions were not met Post Disaster Inspection (PDI) document is missing. REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business
[3] Asset Calculation / Analysis - Available for Closing is insufficient to Borrower has insufficient assets to cover funds to close and extended reserves income documentation. Condition remains.
cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is required. REVIEWER - GENERAL COMMENT (2023/XX/08): EXCEPTION HISTORY - Exception
less than Cash From Borrower $XXX. All income documentation is missing for all borrowers. 2015/2014 signed/dated Explanation was updated on 09/XX/2023 PRIOR Exception Explanation: Insurance
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation personal and business tax returns and K1's, year to date P&L's/Balance sheets, Verification, Lease Agreement, Statement, Tax Verification
inspection is dated prior to the most recent FEMA disaster.: Most Recent third party verification dated within 30 days prior to note date, all income
Valuation Inspection Date: XX/XX/XXXX documentation for any additional income being used and award letters. Unable to
Disaster End Date: XX/XX/XXXX determine all borrowers' income and business structure due to missing
Disaster Name: XXX documentation.
Disaster Declaration Date: XX/XX/XXXX All income documentation is missing for all borrowers. 2015/2014 signed/dated
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA personal and business tax returns and K1's, year to date P&L's/Balance sheets,
reserves months discrepancy.: Calculated PITIA months reserves of 0.00 is less third party verification dated within 30 days prior to note date, all income
than Guideline PITIA months reserves of 48.00. documentation for any additional income being used and award letters. Unable to
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 determine all borrowers' income and business structure due to missing
(2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, W-2 (2014), W-2 (2015) documentation.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 All income documentation is missing for all borrowers. 2015/2014 signed/dated
(2015), K-1 (2014), K-1 (2015), VVOE - Employment Only personal and business tax returns and K1's, year to date P&L's/Balance sheets,
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 third party verification dated within 30 days prior to note date, all income
(2015), 1099-SSA (2014), 1099-SSA (2015), K-1 (2014), K-1 (2015), VVOE - documentation for any additional income being used and award letters. Unable to
Employment Only, W-2 (2015), W-2 (2016) determine all borrowers' income and business structure due to missing
[3] Income Documentation - Income documentation requirements not met. documentation.
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA All income documentation is missing for all borrowers. 2015/2014 signed/dated
Insurance Verification, Statement, Tax Verification personal and business tax returns and K1's, year to date P&L's/Balance sheets,
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA third party verification dated within 30 days prior to note date, all income
Insurance Verification documentation for any additional income being used and award letters. Unable to
[3] Income Documentation - REO Documents are missing.: Address: XXX, NV determine all borrowers' income and business structure due to missing
Insurance Verification, Lease Agreement, Statement, Tax Verification documentation.
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Lease Agreement, Statement, Tax Verification document
Insurance Verification, Statement, Tax Verification missing for property Address: XXX, AZ
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Lease Agreement, Statement, Tax Verification document
Insurance Verification, Statement, Tax Verification missing for property Address: XXX, AZ:
[3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification document
Insurance Verification, Lease Agreement, Statement, Tax Verification missing for property Address: XXX, NV
[3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification document
Insurance Verification, Lease Agreement, Statement, Tax Verification missing for property address XXX, AZ
[3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Statement, Tax Verification document missing for
Insurance Verification, Lease Agreement, Statement, Tax Verification property address XXX, CA
[3] Income Documentation - REO Documents are missing.: Address: XXX, NV
Insurance Verification, Lease Agreement, Statement, Tax Verification
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA
Insurance Verification, Lease Agreement, Tax Verification
[3] Income Documentation - REO Documents are missing.
[3] Income Documentation - REO Documents are missing.
[3] Income Documentation - REO Documents are missing.
[3] Income Documentation - REO Documents are missing.
[3] Income Documentation - REO Documents are missing.
625489389 XXX XXX XXX XXX XXX $XXX CA 6/XX/2020 5/XX/2020 Primary Purchase Safe Harbor QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Adjustable Rate Mortgages, CHARM Booklet, was not provided to the borrower.
provided to the borrower. Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date
[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Date valuation provided to applicant is prior to the date when
Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to valuation was performed. Unable to determine compliance with appraisal timing
applicant is prior to the date when valuation was performed. Unable to determine requirements
compliance with appraisal timing requirements. (Type:Primary/05/XX/2020) Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender:
[2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Final Closing Disclosure provided on 06/XX/2020, page (5) missing Lender contact
Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing name.
Disclosure provided on 06/XX/2020 did not disclose the required Lender Contact Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: Loan
Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing
(Final/06/XX/2020) payment disclosed the frequency of adjustments that does not match the actual
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: adjustment period for the loan
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
on 06/XX/2020 with an increasing payment disclosed the frequency of adjustments Closing Disclosure not provided to Borrower(s) at least three (3) business days
that does not match the actual adjustment period for the loan. prior to closing
(Final/06/XX/2020)
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s)
at least three (3) business days prior to closing. (Initial/06/XX/2020)
625489110 XXX XXX XXX XXX XXX $XXX CA 6/XX/2016 4/XX/2016 Primary Refinance Rate/Term Non QM 2 B B B B [3] Missing Document - File does not contain documentation from lender/seller File is missing documentation verifying the subject property condo is SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - GENERAL COMMENT (2023/XX/25): Missing signed and dated initial GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception -
confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation warrantable. REVIEWER - GENERAL COMMENT (2023/XX/21): AUS states to "Perform and document a to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated to Non QM application.
Report Date: 05/XX/2016 The VVOE is not dated within 10 business days of the note date. verbal verification of employmentt for each borrower within 10 business days provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception
[3] Income Documentation - Income documentation requirements not met. prior to the note date for all borrowers not using self-employment income for the Due Diligence Loan Designation of Non QM. Days Prior to Consummation: Verification appraisal was delivered to borrower was
qualifying" Borrower is not self-employed, Guidelines state same requirement for [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 not provided.
Hourly, Salary and Commission income. Exception remains. Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Application / Processing - Missing Document: Missing Lender's Initial 1003:
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception Creditor did not provide a copy of each valuation to applicant three (3) Missing signed and dated initial 1003.
REVIEWER - GENERAL COMMENT (2023/XX/27): Unable to clear. Per lender guides, a business days prior to consummation. (Type:Primary/05/XX/2016) Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance
VVOE dated within 10 days prior to the note date is required. [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 charge is under disclosed by $XXX. Unable to determine the cause for the under
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: disclosure due to missing the itemization of the amount financed.
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1
provided on 05/XX/2016 disclosed an inaccurate Finance Charge on page 5 that Underdisclosed - Pre October 2018: HOA costs of $XXX per month were not included
does not match the actual Finance Charge for the loan (fee amounts included in in the non-escrowed property costs on page 4 of the CD
Finance Charge calculation are based on Closing Disclosure dated 05/XX/2016).
(Final/05/XX/2016)
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1
Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan
Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing
Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016)
625488292 XXX XXX XXX XXX XXX $XXX CA 3/XX/2015 2/XX/2015 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the -
the interest rate was locked prior to closing interest rate was locked prior to closing: The only Good Faith Estimate in file
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement reflects the interest rate as not locked.
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to Disclosure Not Provided Within 3 Business Days of Application: The Affiliated
applicant within three (3) business days of application. Business Arrangement Disclosure in file is dated 03/XX/2015 which is more than 3
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure business days after the application date of 02/XX/2015.
Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement
Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to Not Provided Within 3 Business Days of Application: The RESPA Servicing
applicant within three (3) business days of application. Disclosure in file is dated 03/XX/2015 which is more than 3 business days after
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal the application date of 02/XX/2015.
Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
provide "Right to Receive a Copy" appraisal disclosure to consumer. Disclosure Missing: Borrower was not provided with Right to Receive Appraisal
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Disclosure.
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosure
Finance Charge of $XXX in the amount of $XXX. reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance
is $XXX. Lender to provide corrected TIL and copy of letter sent to borrower
explaining changes.
625488628 XXX XXX XXX XXX XXX $XXX CA 4/XX/2016 3/XX/2016 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification appraisal was delivered to borrower was
Creditor did not provide a copy of each valuation to applicant three (3) not provided.
business days prior to consummation. (Type:Primary/03/XX/2016) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX due to increase of title fees.
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance No valid COC provided, nor evidence of cure in file. Provide a post-close CD
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. disclosing the tolerance cure to include $XXX, a copy of refund check, proof of
Insufficient or no cure was provided to the borrower. (0) delivery, and a copy of the letter of explanation sent to the borrower
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without disclosing the changes made.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds Cure Provided: Loan Discount Points Fee was last disclosed as $XXX on LE but
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC
for this fee, nor evidence of cure in file. A copy of refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower
disclosing the changes made.
625488768 XXX XXX XXX XXX XXX $XXX CA 10/XX/2017 9/XX/2017 Primary Refinance Cash-out - Debt Consolidation Non QM 2 B B B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1040 - Schedule C File is missing 2016 Schedule C for Co-Borrower. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate Federal Compliance - ARM Disclosure Timing Test: Application date is 09/XX/2017 -
(2016) disclosure: ARM loan program disclosure not provided to the borrower within and docuemnt was provided on 09/XX/2017.
three (3) days of application. Federal Compliance - CHARM Booklet Disclosure Timing: Application date is
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate 09/XX/2017 and docuemnt was provided on 09/XX/2017.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
provided to the borrower within three (3) days of application. Organizations Missing: Loan file contains the one page acknowledgment from
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Borrowers; however, the actual list containing the required 10 counseling
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not agencies was not provided.
provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - Self-Employed Tax Return Recency - ATR: File is missing
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to income verification for B2 - 1065 Q Communication Third Party verification and
Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal Schedule C for year 2016.
tax returns provided are not the most recent. Application Date 09/XX/2017, Most Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX Closing Disclosure Issue Date 2017/XX/26 which is not provided at least three
XXX/Schedule C) (3) business days prior to closing.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s)
at least three (3) business days prior to closing. (Initial/10/XX/2017)
625488012 XXX XXX XXX XXX XXX $XXX CA 1/XX/2018 12/XX/2017 Primary Purchase ATR Risk 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign May be waived down with compensating factors. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Federal Compliance - Check Loan Designation Match - ATR Risk: Client elects to TILA ATR/QM
Consent Agreement Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match restate loan to NonQM.
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Due Diligence Loan Designation of ATR Risk. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and
qualifying total debt ratio discrepancy.: Calculated investor qualifying total [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match both moderately exceed Guidelines: Able to be waived down with compensating
debt ratio of 43.55954% exceeds Guideline total debt ratio of 43.00000%. and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The factors.
DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of Federal Compliance - CHARM Booklet Disclosure Timing: Provide evidence the
43.55954% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, was provided to
eligible to be regraded with compensating factors.) the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Organizations Not Provided Within 3 Business Days of Application: List of
provided to the borrower within three (3) days of application. Homeownership Counseling Organizations was not provided to borrower within three
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling (3) business days of application.
Organizations Not Provided Within 3 Business Days of Application: RESPA Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Disclosure: Initial Escrow Account Statement is not provided in file.
Organizations not provided to applicant within three (3) business days of
application.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
RESPA: Initial escrow account statement was not provided to the borrower.
625488604 XXX XXX XXX XXX XXX $XXX CA 8/XX/2015 4/XX/2015 Investment Refinance Rate/Term 2 B B B B [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Mortgage statement missing for XXX, CA. [3] Appraisal Data Integrity - Appraiser's license or certification was not Appraiser's license or certification was not active at the time of the 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Statement active at the time of the appraisal.: Valuation Type: Appraisal / Valuation appraisal. Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification appraisal was delivered to borrower was
Report Date: 07/XX/2015 Creditor did not provide a copy of each valuation to applicant three (3) not provided.
business days prior to consummation. (Type:Primary/07/XX/2015) Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: The Right to Receive Copy of Appraisal
Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor Disclosure was not provided to borrower within 3 days of initial application.
did not provide "Right to Receive a Copy" appraisal disclosure to applicant
within three (3) business days of application or determination of first lien
status.
625489056 XXX XXX XXX XXX XXX $XXX CA 6/XX/2019 5/XX/2019 Primary Purchase Safe Harbor QM 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Federal Compliance - RESPA Disclosure - List of Homeownership Counseling -
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not Organizations Missing: List of Homeownership Counseling Organizations is missing
provide List of Homeownership Counseling Organizations to borrower. in file
625488725 XXX XXX XXX XXX XXX $XXX CA 9/XX/2017 8/XX/2017 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E- Sign Consent Document Missing 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - General Ability To Repay Provision Investor Qualification -
Consent Agreement Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Method not Matching ATR: The guidelines require 7/1 ARMS to be qualified using
Qualification Method used by the lender does not match the ATR payment the Note rate, causing the loan to waterfall through the QM Testing.
calculation methods under 1026.43(c)(5).
625489322 XXX XXX XXX XXX XXX $XXX CA 12/XX/2014 12/XX/2014 Primary Purchase Safe Harbor QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - GENERAL COMMENT (2023/XX/25): Missing signed and dated initial -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Days Prior to Consummation: File is missing evidence the borrower received the application.
provided to the borrower. appraisal at least 3 business days prior to the closing date
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014):
Creditor did not provide a copy of each valuation to applicant three (3)
business days prior to consummation. (Type:Primary/12/XX/2014)
[2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not
provided.: GFE Date: 12/XX/2014 Changed Circumstance not provided for GFE dated
12/XX/2014 from GFE dated 11/XX/2014
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing:
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever"
date on the Final TIL does not match the earliest date on which the maximum rate
may apply.
625488492 XXX XXX XXX XXX XXX $XXX CA 6/XX/2017 5/XX/2017 Primary Refinance Cash-out - Other Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
is insufficient. disclosure was provided within three (3) days of application due to missing disclosure was provided within three (3) days of application due to missing
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA, information. information.
Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax Verification [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on
Statement disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Lease Agreement, Statement provided to the borrower. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) (Type:Primary/05/XX/2017)
business days prior to consummation. (Type:Primary/05/XX/2017) Federal Compliance - Self-Employed Tax Return Recency - ATR: Self Employed Tax
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Returns - The business or personal tax returns provided are not the most recent.
Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax
tax returns provided are not the most recent. Application Date 05/XX/2017, Most Return Due Date 03/XX/2017. (XXX XXX/S-Corp)
Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX Federal Compliance - Self-Employed Tax Return Recency - ATR: Self Employed Tax
XXX/S-Corp) Returns - The business or personal tax returns provided are not the most recent.
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax
Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal Return Due Date 04/XX/2017. (XXX XXX/Schedule C)
tax returns provided are not the most recent. Application Date 05/XX/2017, Most
Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX
XXX/Schedule C)
625489105 XXX XXX XXX XXX XXX $XXX CA 12/XX/2016 11/XX/2016 Primary Purchase Safe Harbor QM 2 B B B B [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value Per lender guides, for an extended LTV of XXX%, borrower must have a 740 fico 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure -
discrepancy.: Calculated loan to value percentage of XXX% exceeds Guideline loan which they do not have. Max LTV is 75% per lender guides. disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not is missing in file. Please provide.
to value percentage of 75.00000%. Purchase Contract is missing in file. Please provide. provided to the borrower. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
[3] Application / Processing - Missing Document: Purchase Agreement / Sales [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Contract not provided Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial
business days prior to consummation. (Type:Primary/12/XX/2016) escrow account statement disclosure is missing in file.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
RESPA: Initial escrow account statement was not provided to the borrower.
625488703 XXX XXX XXX XXX XXX $XXX CA 9/XX/2017 8/XX/2017 Primary Purchase Non QM 2 B B B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX Balance Sheet Per lender guides, a year to date Balance Sheet through the most recent quarter 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM Federal Compliance - ARM Disclosure Timing Test: Date of disclosure or evidence -
[3] General - Missing Document: HELOC Agreement not provided prior to the note date is required however is missing. disclosure was provided within three (3) days of application due to missing of when borrower received the disclosure is missing.
[3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien The Heloc agreement for the 2nd lien is missing from the file. information. Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on
not provided Second mortgage Note is mssing. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Adjustable-Rate Mortgages, CHARM Booklet, not provided to the borrower.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
provided to the borrower. Days Prior to Consummation: Evidence of borrowers receipt of the appraisal prior
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 to closing was not provided.
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -
Creditor did not provide a copy of each valuation to applicant three (3) Reason: Violation was cured on the PCCD dated 03/XX/2018, however for a full
business days prior to consummation. (Type:Primary/08/XX/2017) remediation cure, a copy of the letter to the borrower explaining the error is
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - required, however is missing from the file.
Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing
Disclosure provided on 09/XX/2017 incorrectly disclosed whether the loan will
have an escrow account. (Final/09/XX/2017)
625488176 XXX XXX XXX XXX XXX $XXX CA 4/XX/2016 3/XX/2016 Primary Purchase Safe Harbor QM 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent valuation Most Recent Valuation Inspection Date: XX/XX/XXXX BUYER - GENERAL COMMENT (2023/XX/31): Utilized updated BPO to access no damage 2 B B B B [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial -
inspection is dated prior to the most recent FEMA disaster.: Most Recent Disaster End Date: XX/XX/XXXX at property RESPA: Initial escrow account statement was not provided to the borrower. escrow account statement was not provided to the borrower missing in file
Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXX REVIEWER - GENERAL COMMENT (2023/XX/01): BPO inspector unable to access property [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Post
Disaster End Date: XX/XX/XXXX Disaster Declaration Date: XX/XX/XXXX to determine condition. Finding remains open. TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure closing CD cured the violation, however for a full remediation, a copy of the
Disaster Name: XXX provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that letter to the borrower explaining the error would be required.
Disaster Declaration Date: XX/XX/XXXX does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 04/XX/2016). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX per
month threshold. (Final/04/XX/2016)
625489258 XXX XXX XXX XXX XXX $XXX CA 7/XX/2016 6/XX/2016 Primary Purchase ATR Fail 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent valuation Latest inspection is prior latest FEMA disaster declaration. BUYER - GENERAL COMMENT (2023/XX/31): Utilized updated BPO to access no damage 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay Federal Compliance - Check Loan Designation Match - ATR: Client elects to REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing docs did not contain any docs GENERAL COMMENT (2023/XX/18): Dispute: XXX. XXX, XXX, XXX, and XXX. verified TILA ATR/QM
inspection is dated prior to the most recent FEMA disaster.: Most Recent Evidence of warrantable condo is missing from file. Missing lender approval. at property (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due restate loan designation to Non QM. to clear this exception. active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as
Valuation Inspection Date: XX/XX/XXXX Missing the balance sheet for businesses, XXX; XXX; XXX. Verbal VOE missing for REVIEWER - GENERAL COMMENT (2023/XX/31): The BPO provided does not indicate no Diligence Loan Designation of ATR Fail. Federal Compliance - General Ability To Repay Provision Employment - Partnership SELLER - GENERAL COMMENT (2023/XX/18): same as above: Dispute: XXX. XXX, XXX, of 5/XX/16 for XXX, XXX, XXX uploaded under Closing Package/MISC/Items to send
Disaster End Date: XX/XX/XXXX businesses, XXX. missing 2014 W2 for XXX damage and there are no photos. [3] Federal Compliance - General Ability To Repay Provision Employment - Test: This is due to missing the balance sheet for this business and the verbal XXX, and XXX. verified active by secretary of state on 7/XX/16 vs. note date with Closing Package 8/XX/16 3:56pm.
Disaster Name: XXX Missing for the non-subject REO REVIEWER - GENERAL COMMENT (2023/XX/01): Trailing docs did not contain any docs Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current VOE. 7/XX/16. Balance Sheet as of 5/XX/16 for XXX, XXX, XXX
Disaster Declaration Date: XX/XX/XXXX to clear this exception. Partnership status due to most recent Tax Return end date is older than 120 days Federal Compliance - General Ability To Repay Provision Employment - Partnership REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs GENERAL COMMENT (2023/XX/18): same as above: Dispute: XXX. XXX, XXX, XXX, and
[3] Missing Document - File does not contain documentation from lender/seller REVIEWER - GENERAL COMMENT (2023/XX/28): Only the 2014 W2 was provided. before Closing Date, and one of these docs is required yet missing: Test: This is due to missing the balance sheet for this business and the verbal to clear this exception. XXX. verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16.
confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Condition remains. Audited/Third Party P&L, CPA Letter, or other Third Party Verification. VOE. SELLER - GENERAL COMMENT (2023/XX/05): Self-Employment documentation uploaded. Balance Sheet as of 5/XX/16 for XXX, XXX, XXX
Report Date: 06/XX/2016 REVIEWER - GENERAL COMMENT (2023/XX/01): EXCEPTION HISTORY - Exception (Malekan,Peyman XXX/Partnership) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient REVIEWER - GENERAL COMMENT (2023/XX/06): Reviewed original file and all trailing
[3] Income Documentation - Income Docs Missing:: Borrower: XXX, Borrower: XXX Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: Balance [3] Federal Compliance - General Ability To Repay Provision Employment - Cure Provided: Ten Percent Fee Tolerance increased without a valid change of docs. The remaining documentation is missing and listed per entity. XXX: year to GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception
Balance Sheet, Third Party Verification Sheet, Third Party Verification, W-2 (2014) Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current circumstance. Cure was not provided. date Balance sheet. XXX: year to date Balance sheet and third party verification
Balance Sheet, Third Party Verification Balance Sheet, Third Party Verification Partnership status due to missing Tax Return/Transcript for the most recent Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient dated within lender required timeframe verifying dates of operation. XXX: year GENERAL COMMENT (2023/XX/18): Concur: unable to locate HOA/insurance
[3] Income Documentation - REO Documents are missing.: Address: XXX, CA HOA SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception year, and one of these docs is required yet missing: Audited/Third Party P&L, Cure Provided: Credit report increased without a valid change of circumstance. to date Balance Sheet. verification on Monte Mar.
Verification, Insurance Verification REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs CPA Letter, or other Third Party Verification. (Malekan,Edvin XXX/Partnership) Cure was not provided at closing. BUYER - GENERAL COMMENT (2023/XX/12): ATR related docs
to clear this exception. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient REVIEWER - GENERAL COMMENT (2023/XX/13): No new documentation provided, GENERAL COMMENT (2023/XX/05): N/A; Duplicative Exception
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Appraisal fee increased without a valid change of circumstance. exceptions remain.
REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Cure was not provided. REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing docs did not contain any docs GENERAL COMMENT (2023/XX/05): Self-Employment documentation uploaded.
Documents necessary to clear the conditions were not provided. Exception Insufficient or no cure was provided to the borrower. (0) to clear this exception.
remains. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without SELLER - GENERAL COMMENT (2023/XX/18): Dispute: XXX. XXX, XXX, XXX, and XXX. GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception
SELLER - GENERAL COMMENT (2023/XX/18): Concur: unable to locate HOA/insurance Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance
verification on Monte Mar. Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXX exceeds Sheet as of 5/XX/16 for XXX, XXX, XXX uploaded under Closing Package/MISC/Items GENERAL COMMENT (2023/XX/25): Agree with error
REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75117) to send with Closing Package 8/XX/16 3:56pm.
to clear this exception. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs
SELLER - GENERAL COMMENT (2023/XX/25): Agree with error Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee to clear this exception.
REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of SELLER - GENERAL COMMENT (2023/XX/05): N/A; Duplicative Exception
was provided to clear this exception. Exception remains. $XXX. Insufficient or no cure was provided to the borrower. (7506) REVIEWER - GENERAL COMMENT (2023/XX/06): Reviewed original file and all trailing
docs. The remaining documentation is missing and listed per entity. XXX: year to
date Balance sheet. XXX: year to date Balance sheet and third party verification
dated within lender required timeframe verifying dates of operation. XXX: year
to date Balance Sheet.
625488002 XXX XXX XXX XXX XXX $XXX CA 5/XX/2014 4/XX/2014 Primary Purchase Non QM 2 B B B B [3] Income Documentation - Verification(s) of employment is not within 10 Missing Verification of Employment for borrower XXX. REVIEWER - GENERAL COMMENT (2023/XX/02): WVOE provided is dated 04/XX/2014 and 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: Missing CHARM Booklet GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception -
business days of the Note.: Borrower: XXX // Employment Type: Employment / the note date is 05/XX/2014. Condition remains for missing VVOE dated within 10 disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Disclosure.
Income Type: Wages / Start Date: 01/XX/2009 business days of the note date. provided to the borrower. Federal Compliance - Check Restated Loan Designation Match - General Ability to GENERAL COMMENT (2023/XX/18): Funding docs indicate a PITI of $XXX, 1008
SELLER - GENERAL COMMENT (2023/XX/18): VOE for XXX located under VOE uploaded [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Repay: Loan redesignated to NonQM. reflects sufficient 12 months reserves for the expanded DTI
with a completion date 5/XX/14 (page 7 of 13) to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
REVIEWER - GENERAL COMMENT (2023/XX/22): VOE in file is dated 04/XX/2014. provided did not match. However, the updated Loan Designation of Non QM matches Days Prior to Consummation: As per Appraisal acknowledgement document signed on GENERAL COMMENT (2023/XX/18): VOE for XXX located under VOE uploaded with a
Condition remains. the Due Diligence Loan Designation of Non QM. closing borrower did not select any option. completion date 5/XX/14 (page 7 of 13)
SELLER - GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Application / Processing - Missing Document: Missing Lender's Initial 1003:
don't agree that a missing VOE significantly changes ATR impact based on the Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Missing signed and dated Initial 1003. GENERAL COMMENT (2023/XX/05): Unable to find all docs in Default cabinet to
overall risk & quality of the transaction. Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: validate final assets/reserves (some are still missing from transfer).
REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation business days prior to consummation. (Type:Primary/05/XX/2014) Missing HUD Settlement Cost Booklet..
was provided to clear this exception. Exception remains. [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but don't agree
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: escrow account statement was not provided to the borrower. that a missing VOE significantly changes ATR impact based on the overall risk &
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First quality of the transaction.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: 5 Years Taxes and Insurance Inaccurate: Final TIL first five years escrow
RESPA: Initial escrow account statement was not provided to the borrower. payment amount of $XXX is less than calculated payment amount of $XXX.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First
First 5 Years Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): 5 Years Total Payment (PITI) Inaccurate: Final TIL first five years total
The "Maximum First Five Years" amount of taxes and insurance, including any payment amount of $XXX is less than calculated payment amount of $XXX. There is
mortgage insurance, on the Final TIL does not match the maximum escrow payment a variance of $XXX.
on the loan during the first five (5) years of the loan. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In Escrow Amount Inaccurate : The "Maximum Ever" amount $XXX of taxes and
First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): insurance, including any mortgage insurance, on the Final TIL does not match the
The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does maximum escrow payment that may apply during the life of the loan.
not match the maximum total payment on the loan during the first five (5) years Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
for the loan. Total Payment (PITI) Inaccurate: The "Maximum Ever" total payment amount of
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever (PITI) in the amount of $XXXon the Final TIL does not match the calculated
Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of $XXX. There is a variance of $XXX.
date on the Final TIL does not match the earliest date on which the maximum rate Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: The
may apply. amount of taxes and insurance, including any mortgage insurance in the amount of
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever $XXX on the Final TIL does not match the calculated amount of $XXX. There is a
Escrow Amount Inaccurate : Truth in Lending Act (MDIA 2011): The "Maximum Ever" variance of $XXX.
amount of taxes and insurance, including any mortgage insurance, on the Final Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory
TIL does not match the maximum escrow payment that may apply during the life of Total Payment (PITI) Inaccurate: Total payment amount of $XXX(PITI) on the Final
the loan. TIL does not match the calculated amount of $XXX. There is a variance of $XXX.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum
Ever" total payment amount (PITI) on the Final TIL does not match the maximum
total payment on the loan during the life of the loan.
[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate:
Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including
any mortgage insurance, on the Final TIL does not match the amount of taxes and
insurance, including any mortgage insurance, for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory
Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment
amount (PITI) on the Final TIL does not match the total payment amount for the
loan.
625489450 XXX XXX XXX XXX XXX $XXX CA 3/XX/2017 2/XX/2017 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625488924 XXX XXX XXX XXX XXX $XXX CA 12/XX/2017 9/XX/2017 Primary Refinance Cash-out - Other Safe Harbor QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - CURED COMMENT (2023/XX/26): Sufficient Cure Provided At Closing -
Consent Agreement Appraisal Form 1004C/70B updated as per the document. Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Creditor did not provide a copy of each valuation to
[2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Creditor did not provide a copy of each valuation to applicant three (3) applicant three (3) business days prior to consummation.
Form 1004C/70B used for incorrect Subject property type.: Valuation Type: business days prior to consummation. (Type:Primary/11/XX/2017) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
Appraisal / Valuation Report Date: 11/XX/2017 Single Family Detached [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of to the borrower.
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
625489615 XXX XXX XXX XXX XXX $XXX CA 12/XX/2018 11/XX/2018 Primary Refinance Cash-out - Other Non QM 3 C C C C 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage Federal Compliance - Check Loan Designation Match - QM: Due to missing income SELLER - GENERAL COMMENT (2023/XX/18): Missing lease document per finding above. GENERAL COMMENT (2023/XX/18): Missing lease document per finding above. TILA ATR/QM
(Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match documentation and origination credit report the ability to repay is not REVIEWER - GENERAL COMMENT (2023/XX/22): No additional documentation provided.
Due Diligence Loan Designation of Non QM. supported, causing the loan to waterfall through the QM Testing. Exception remains. GENERAL COMMENT (2023/XX/18): Concur, unable to locate lease for property which
[3] Federal Compliance - Rental Income Documentation - Schedule E Method Test: Federal Compliance - Rental Income Documentation - Schedule E Method Test: QM REVIEWER - GENERAL COMMENT (2023/XX/22): EXCEPTION HISTORY - Exception Detail was a self-rental to the borrower's 100% owned business and therefore the rent
Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement requires a lease agreement, which is missing from the loan file, causing the was updated on 08/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank is offset by a rental expense for the business.
not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule loan to waterfall through the QM Testing. 2014): Originator Loan Designation of Safe Harbor QM does not match Due
E) Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not Diligence Loan Designation of ATR Fail.
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate provided to the borrower. SELLER - GENERAL COMMENT (2023/XX/18): Concur, unable to locate lease for
disclosure: ARM loan program disclosure not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on property which was a self-rental to the borrower's 100% owned business and
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. therefore the rent is offset by a rental expense for the business.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - GENERAL COMMENT (2023/XX/22): No additional documentation provided.
provided to the borrower. Days Prior to Consummation: Nothing in the loan file to evidence delivery of the Exception remains.
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 appraisal to the borrower. REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA days of application.
Creditor did not provide a copy of each valuation to applicant three (3) Credit Score Disclosure.
business days prior to consummation. (Type:Primary/11/XX/2018) Federal Compliance - TRID Final Closing Disclosure Product Testing: General
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product
Creditor did not provide FACTA Credit Score Disclosure. that does not match the actual product for the loan. Additional AIR/AP table
[2] Federal Compliance - TRID Final Closing Disclosure Product Testing: failures could apply for loans with an adjustable rate or adjustable payment
TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure with incorrect Product disclosure.
provided on 12/XX/2018 disclosed a Product that does not match the actual Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or
product for the loan. Additional AIR/AP table failures could apply for loans after 10/XX/2015, no Loan Estimates in the Loan File: Loan Estimate not provided
with an adjustable rate or adjustable payment with incorrect Product disclosure. within loan images to evidence delivery to the Borrower(s). The earliest Closing
(Final/12/XX/2018) Disclosure provided in the loan file was used as the estimated baseline for
[2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on Tolerance Testing. Depending on the actual values on the initial Loan Estimate,
or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated a fee tolerance cure of up to $XXX may be required.
Disclosure: Loan Estimate not provided within loan images to evidence delivery
to the Borrower(s). The earliest Closing Disclosure provided in the loan file
was used as the estimated baseline for Tolerance Testing. Depending on the
actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX
may be required.
625489561 XXX XXX XXX XXX XXX $XXX CA 9/XX/2015 6/XX/2015 Investment Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Approval not provided The Approval document was not provided. 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial 1003: -
[3] Application / Processing - Missing Document: Flood Certificate not provided Missing Flood Certificate. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Missing signed and dated Initial Loan Application.
[3] Credit Documentation - Missing Document: Occupancy Certificate not provided Occupancy Certificate was not provided. Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
[3] Income Documentation - Verification(s) of employment is not within 10 Missing borrower(s) Verification of employment within 10 days of the Note. did not provide "Right to Receive a Copy" appraisal disclosure to applicant Disclosure Not Provided Timely: "Right to Receive a Copy" appraisal disclosure
business days of the Note.: Borrower: XXX // Employment Type: Employment / within three (3) business days of application or determination of first lien was not provided to borrower(s) within three (3) business days of application.
Income Type: Wages / Start Date: 06/XX/1992 status.
625488798 XXX XXX XXX XXX XXX $XXX CA 10/XX/2020 9/XX/2020 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 -
Consent Agreement disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. days of application.
[2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer provided to the borrower. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before REVIEWER - CURED COMMENT (2023/XX/29): Sufficient Cure Provided At Closing
documentation is present. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is no evidence the appraisal was provided
Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower to the borrower at closing.
waived right to receive a copy of the appraisal at least three (3) business days Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
prior to closing, and appraisal was not provided at or before closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days
(Type:Primary/09/XX/2020) prior to closing
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Provided At Closing: A cure of $XXX was provided at closing.
at least three (3) business days prior to closing. (Initial/10/XX/2020)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX
exceeds tolerance of $XXX. Sufficient or excess cure was provided to the
borrower at Closing. (7580)
625488755 XXX XXX XXX XXX XXX $XXX CA 8/XX/2015 6/XX/2015 Primary Refinance Rate/Term Non QM 2 B B B B [3] Missing Document - File does not contain documentation from lender/seller File does not contain documentation from lender/seller confirming the condo is 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 -
confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation warrantable. disclosure: ARM loan program disclosure not provided to the borrower within provided to the borrower within three (3) days of application. days of application.
Report Date: 06/XX/2015 three (3) days of application. Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure REVIEWER - GENERAL COMMENT (2023/XX/29): Missing Initial signed/dated 1003.
[3] Application / Processing - Missing Document: Approval not provided [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate is required to mitigate this exception. REVIEWER - GENERAL COMMENT (2023/XX/30): Missing Signed/dated Initial 1003.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
provided to the borrower. Days Prior to Consummation: As per Appraisal acknowledgement document signed on
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 closing borrower did not select any option
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Application / Processing - Missing Document: Missing Lender's Initial 1003: File
Creditor did not provide a copy of each valuation to applicant three (3) is missing a fully executed initial application.
business days prior to consummation. (Type:Primary/06/XX/2015) Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Not Provided Within 3 Business Days of Application: RESPA disclosure signed at
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure close 8/XX/2015.
Statement Not Provided Within 3 Business Days of Application: RESPA Servicing
Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to
applicant within three (3) business days of application.
625489119 XXX XXX XXX XXX XXX $XXX CA 8/XX/2018 7/XX/2018 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Self-Employed Tax Return Recency - ATR: This EV 2 exception -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not is for informational purposes due to the 2017 taxes are on extension.
provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.
Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was
tax returns provided are not the most recent. Application Date 07/XX/2018, Most provided to the borrower. (7564)
Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
XXX/S-Corp) Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Recording Service
[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was
equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of provided to the borrower.
Right to Cancel occurs prior to expected date(s).
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197)
625487932 XXX XXX XXX XXX XXX $XXX CA 7/XX/2017 5/XX/2017 Primary Refinance Rate/Term Non QM 2 B B B B [3] Guideline Issue - Aged document: Asset Account date is more than 90 days Copy of e-sign agreement document is not available in file. [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" 442 was not provided. 2 B B B B [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Federal Compliance - Self-Employed Tax Return Recency - ATR: The business or -
prior to Closing.: Financial Institution: XXX // Account Type: 401(k)/403(b) Borrower received total cash out of $XXX, which is greater than the lessor of and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal personal tax returns provided are not the most recent. Application Date
Account / Account Number: XXX $XXX or 2% of the loan amount. Report Date: 06/XX/2017 tax returns provided are not the most recent. Application Date 05/XX/2017, Most 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date
[3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX 04/XX/2017
Consent Agreement XXX/Schedule C) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[3] Guideline Issue - Refi Purpose reflects Rate/Term and cash out greater than [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Zero percent fee tolerance exceeded.
the lesser of 2% of the loan amount or $XXX.: Cash to Borrower: ; Total Cash Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Out: $XXX; Refi Purpose: Rate/Term Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103)
625488558 XXX XXX XXX XXX XXX $XXX CA 8/XX/2019 7/XX/2019 Primary Refinance Rate/Term ATR Risk 3 C C C C [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Calculated DTI of 52.48% exceeds guideline limit of DTI 45%. SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Federal Compliance - Check Loan Designation Match - ATR Risk: Originator Loan SELLER - GENERAL COMMENT (2023/XX/18): Although HOA dues were errorneously GENERAL COMMENT (2023/XX/18): Although HOA dues were errorneously excluded from Borrower has owned the subject property for at least 5 years. TILA ATR/QM
qualifying total debt ratio discrepancy.: Calculated investor qualifying total REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Designation of Non QM does not match Due Diligence Loan Designation due to DTI excluded from debt service which causes excessived DTI, ATR is still met as debt service which causes excessived DTI, ATR is still met as borrowers residual
debt ratio of 52.60415% exceeds Guideline total debt ratio of 45.00000%. payment to use the greater of the Note rate or the fully-indexed rate amortized Due Diligence Loan Designation of ATR Risk. Discrepancy. borrowers residual income is $XXX per mos income is $XXX per mos Borrower has verified disposable income of at least $XXX.
over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Federal Compliance - General Ability To Repay Provision Investor Guidelines: REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject
exceeds the maximum allowed by more than 5% and is not eligible to be waived Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more Loan has ATR failure due to DTI discrepancy. payment to use the greater of the Note rate or the fully-indexed rate amortized GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI Borrower's monthly mortgage payment has decreased by at least 20%.
regraded. guideline components, the loan is at ATR risk. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves
SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match both significantly exceed Guidelines: Calculated DTI of 52.48% exceeds guideline exceeds the maximum allowed by more than 5% and is not eligible to be waived equal to 150 months PITI Borrower's monthly reserves have been verified and exceed the amount required
ATR impact based on overall file risk & quality. and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): limit of DTI 45%. regraded. based on the guidelines by at least 4 months.
REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception
was provided to clear this exception. Exception remains. of 52.60415% significantly exceeds the guideline maximum of 45.00%. (DTI Closing Disclosure not provided to Borrower(s) at least three (3) business days ATR impact based on overall file risk & quality. The Loan to Value (LTV) on the loan is less than the guideline maximum by at
Exception requires compelling compensating factors to consider regrading to prior to closing. REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI least 10%.
EV2-B.) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient was provided to clear this exception. Exception remains. exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee SELLER - GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications equal to 150 months PITI The refinance has decreased the borrower's monthly debt payments by 20% or more.
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Amount of $XXX exceeds tolerance of $XXX. for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close
at least three (3) business days prior to closing. (Initial/08/XX/2019) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient reserves equal to 150 months PITI GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact The representative FICO score exceeds the guideline minimum by at least 40
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject based on overall file risk & quality. points.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee of $XXX exceeds tolerance of $XXX. payment to use the greater of the Note rate or the fully-indexed rate amortized
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact
of $XXX. Insufficient or no cure was provided to the borrower. (7520) exceeds the maximum allowed by more than 5% and is not eligible to be waived based on overall file risk & quality.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without regraded.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of ATR impact based on overall file risk & quality. based on overall file risk & quality.
$XXX. Insufficient or no cure was provided to the borrower. (7506) REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation
was provided to clear this exception. Exception remains. GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact
SELLER - GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications based on overall file risk & quality.
for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close
reserves equal to 150 months PITI
REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject
payment to use the greater of the Note rate or the fully-indexed rate amortized
over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI
exceeds the maximum allowed by more than 5% and is not eligible to be waived
regraded.
SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with
ATR impact based on overall file risk & quality.
REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation
was provided to clear this exception. Exception remains.
625488746 XXX XXX XXX XXX XXX $XXX CA 5/XX/2017 1/XX/2017 Primary Refinance Cash-out - Other ATR Risk 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign consent agreement is missing SELLER - GENERAL COMMENT (2023/XX/18): Max DTI for program is 43%, Uwer 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Federal Compliance - General Ability To Repay Provision Investor Guidelines: SELLER - GENERAL COMMENT (2023/XX/18): Agree GENERAL COMMENT (2023/XX/18): Agree TILA ATR/QM
Consent Agreement Loan was approved at 44.7% exceeding 44% maximum DTI. calcuated DTI at 40.870% Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Waterfall due to DTI. REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was Due Diligence Loan Designation of ATR Risk. Federal Compliance - General Ability To Repay Provision Investor Qualification approved with a 44.871% DTI. Condition remains. GENERAL COMMENT (2023/XX/18): Agree
qualifying total debt ratio discrepancy.: Calculated investor qualifying total approved with a 44.871% DTI. Condition remains. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Method not Matching ATR: 10/1 ARM qualified at Note rate per guidelines. REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it
debt ratio of 44.69592% exceeds Guideline total debt ratio of 44.00000%. REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more appears the lender did not include the REO liabilities in the DTI. Condition GENERAL COMMENT (2023/XX/18): Max DTI for program is 43%, Uwer calcuated DTI at
appears the lender did not include the REO liabilities in the DTI. Condition guideline components, the loan is at ATR risk. remains. 40.870%
remains. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show
SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from GENERAL COMMENT (2023/XX/18): Agree
that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from The DTIs calculated in accordance with the Lenders Guidelines of 44.69592% and previous/earlier reviews but was not final approved DTI.
previous/earlier reviews but was not final approved DTI. based on 1026.43(c)(5) of 48.85% moderately exceed the guideline maximum of REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final
REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. 44.00%. (DTI Exception is eligible to be regraded with compensating factors.) Documents necessary to clear the conditions were not provided. Exception qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier
Documents necessary to clear the conditions were not provided. Exception [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate remains. reviews but was not final approved DTI.
remains. disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not SELLER - GENERAL COMMENT (2023/XX/18): Agree
provided to the borrower. REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 approved with a 44.871% DTI. Condition remains. qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it reviews but was not final approved DTI.
Creditor did not provide a copy of each valuation to applicant three (3) appears the lender did not include the REO liabilities in the DTI. Condition
business days prior to consummation. (Type:Primary/03/XX/2017) remains. GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final
[2] Federal Compliance - General Ability To Repay Provision Investor SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier
Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from reviews but was not final approved DTI.
Qualification Method used by the lender does not match the ATR payment previous/earlier reviews but was not final approved DTI.
calculation methods under 1026.43(c)(5). REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Documents necessary to clear the conditions were not provided. Exception qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not remains. reviews but was not final approved DTI.
provide List of Homeownership Counseling Organizations to borrower. SELLER - GENERAL COMMENT (2023/XX/18): Agree
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee approved with a 44.871% DTI. Condition remains.
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it
of $XXX. Sufficient or excess cure was provided to the borrower at Closing. appears the lender did not include the REO liabilities in the DTI. Condition
(7520) remains.
SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show
that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from
previous/earlier reviews but was not final approved DTI.
REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation.
Documents necessary to clear the conditions were not provided. Exception
remains.
REVIEWER - CURED COMMENT (2023/XX/26): Sufficient Cure Provided At Closing
625489716 XXX XXX XXX XXX XXX $XXX CA 11/XX/2018 10/XX/2018 Primary Refinance Cash-out - Other Non QM 3 D D D D [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" 3 D D D D [3] Closing / Title - Missing Document: Note - Subject Lien not provided Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure in the file does Yes TR Note Deficiency
is insufficient. coverage of $XXX OR Provide copy of insurer's replacement cost estimate and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM not contain a date provided.
supporting current coverage amount. Report Date: 10/XX/2018 disclosure was provided within three (3) days of application due to missing Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Evidence of
information. borrower's earlier receipt of the disclosure was not provided.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Application / Processing - Missing Document: Missing Lender's Initial 1003: File
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not is missing a fully executed initial application
provided to the borrower. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File Organizations Not Provided Within 3 Business Days of Application: The Fraud
does not evidence the consumer was provided with the right to receive a copy of Report reflects an application date of 10/XX/2018, disclosure not provided
the Appraisal Disclosure within 3 days of the loan application date. within 3 business days of application.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Rate: Page 4 shows minimum rate of 2.25%, loan rate is 4.50%.
Organizations Not Provided Within 3 Business Days of Application: RESPA Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Adjustable Rate Subsequent Payments: Page 1 shows minimum payment of $XXX and
Organizations not provided to applicant within three (3) business days of calculated payment is $XXX.
application. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Adjustable Rate Subsequent Payments: Page 1 shows minimum payment of $XXX and
RESPA: Initial escrow account statement was not provided to the borrower. calculated payment is $XXX.
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Federal Compliance - TRID Loan Estimate Timing: The Fraud Report reflects an
Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate application date of 10/XX/2018, disclosure not provided within 3 business days
Table: Final Closing Disclosure provided on 11/XX/2018 disclosed a Minimum of application.
Interest Rate that does not match the actual minimum interest rate for the loan.
(Final/11/XX/2018)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a
periodic principal and interest payment for payment stream 4 that does not match
the actual payment for the loan. (ProjSeq:4/2211342)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a
periodic principal and interest payment for payment stream 3 that does not match
the actual payment for the loan. (ProjSeq:3/2211341)
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated
Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s)
within three (3) business days of application. (Initial/10/XX/2018)
625488685 XXX XXX XXX XXX XXX $XXX CA 10/XX/2018 9/XX/2018 Primary Refinance Cash-out - Other Non QM 1 A A A A [3] Missing Document - File does not contain documentation from lender/seller The loan file does not contain evidence the Condo is warrantable. 1 A A A A -
confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation
Report Date: 09/XX/2018
625489324 XXX XXX XXX XXX XXX $XXX CA 10/XX/2014 9/XX/2014 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not -
disclosure: ARM loan program disclosure not provided to the borrower. provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
provided to the borrower. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) Application / Processing - Missing Document: Missing Lender's Initial 1003: The
business days prior to consummation. (Type:Primary/09/XX/2014) initial 1003 was not signed by the borrower.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days Application: Initial GFE not provided to Borrower(s) within three (3) business
of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) days of Application Date.
business days of Application Date. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of
Organizations Not Provided Within 3 Business Days of Application: RESPA Homeownership Counseling Organizations not provided to applicant within three
Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling (3) business days of application.
Organizations not provided to applicant within three (3) business days of Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement
application. Not Provided Within 3 Business Days of Application: Creditor did not provide
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Servicing Disclosure Statement to applicant within three (3) business days of
Statement Not Provided Within 3 Business Days of Application: RESPA Servicing application.
Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days
applicant within three (3) business days of application. of Application: Initial TIL was not sent within three (3) business days of the
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal creditor application date. No TIL available within the 3 days of application
Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor date
did not provide "Right to Receive a Copy" appraisal disclosure to applicant
within three (3) business days of application or determination of first lien
status.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business
Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL
was not sent within three (3) business days of the creditor application date.
625489326 XXX XXX XXX XXX XXX $XXX NY 2/XX/2020 1/XX/2020 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] State Compliance - New York Late Charge Percent Testing: New York Late State Compliance - New York Late Charge Percent Testing: Note late charge -
Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. percent of 5.00000% exceeds the state maximum of 2%
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Zero percent tolerance fee exceeded for Transfer Tax Fee. Fee was
Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.
$XXX. Insufficient or no cure was provided to the borrower. (8304) The file does not contain a valid COC for this fee, nor a cure.
625488457 XXX XXX XXX XXX XXX $XXX TX 12/XX/2022 8/XX/2022 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX
Creditor did not provide a copy of each valuation to applicant three (3) compared to the calculated Amount Financed of $XXX and the disclosed Finance
business days prior to consummation. (Type:Primary/12/XX/2022) Charge is not accurate within applicable tolerances for Amount Financed to be
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: considered accurate (fee amounts included in Amount Financed and Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure calculations are based on Closing Disclosure dated 12/XX/2022).
provided on 12/XX/2022 disclosed an Amount Financed disclosed an inaccurate (Final/12/XX/2022)
Amount Financed. The disclosed Amount Financed in the amount of $XXX is over Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed
disclosed by $XXX compared to the calculated Amount Financed of $XXX and the Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the
disclosed Finance Charge is not accurate within applicable tolerances for Amount calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts
Financed to be considered accurate (fee amounts included in Amount Financed and included in Finance Charge calculation are based on Closing Disclosure dated
Finance Charge calculations are based on Closing Disclosure dated 12/XX/2022). 12/XX/2022). (Final/12/XX/2022)
(Final/12/XX/2022) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Cure Provided: Recording fee was increased on 08/XX/2022 Loan Estimate and again
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure on 12/XX/2022 CD with no valid change evident.
provided on 12/XX/2022 disclosed an inaccurate Finance Charge on page 5 that Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
does not match the actual Finance Charge for the loan. The disclosed Finance Cure Provided: Valid cure document or Change of circumstance not provided.
Charge in the amount of $XXX is under disclosed by $XXX compared to the Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts Cure Provided: Valid cure document or Change of circumstance not provided.
included in Finance Charge calculation are based on Closing Disclosure dated
12/XX/2022). (Final/12/XX/2022)
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
Insufficient or no cure was provided to the borrower. (0)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Tax Certificate Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (77159)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
625488621 XXX XXX XXX XXX XXX $XXX IL 3/XX/2022 3/XX/2022 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: -
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Closing Disclosure not provided to Borrower within three business days prior to
at least three (3) business days prior to closing. (Initial/03/XX/2022) closing.
625489666 XXX XXX XXX XXX XXX $XXX NY 5/XX/2023 12/XX/2022 Primary Purchase Safe Harbor QM (APOR) 2 B B B B [3] Appraisal Data Integrity - Appraiser's license or certification was not The initial appraisal was completed prior to the license expiration date. There 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient -
active at the time of the appraisal.: Valuation Type: Appraisal / Valuation was no change in value from the initial to the final appraisal. Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Cure Provided: No valid COC provided, nor evidence of cure in file.
Report Date: 04/XX/2023 Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
business days prior to consummation. (Type:Primary/04/XX/2023) Cure Provided: No valid COC provided, nor evidence of cure in file.
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Cure Provided: No valid COC provided, nor evidence of cure in file.
Creditor did not provide a copy of each valuation to applicant three (3)
business days prior to consummation. (Client:5048/01/XX/2023)
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (7520)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Insufficient or no cure was provided to the borrower. (7308)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
625487953 XXX XXX XXX XXX XXX $XXX MA 10/XX/2019 3/XX/2019 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not provided 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient -
Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower Cure Provided: Ten Percent Fee Tolerance of $XXX exceeds tolerance allowed of
waived right to receive a copy of the appraisal at least three (3) business days $XXX plus 10%. No valid change of circumstance nor cure was provided to the
prior to closing, and appraisal was not provided at or before closing. borrower.
(Type:Primary/04/XX/2019)
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
Insufficient or no cure was provided to the borrower. (0)
625489722 XXX XXX XXX XXX XXX $XXX CA 5/XX/2023 4/XX/2023 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient -
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Appraisal Fee was last disclosed as $XXX on Loan Estimate but
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of disclosed as $XXX on Final Closing Disclosure. File does not contain a valid
$XXX. Insufficient or no cure was provided to the borrower. (7506) Change of circumstance for this fee, nor evidence of cure in file.
625488358 XXX XXX XXX XXX XXX $XXX OH 9/XX/2022 2/XX/2022 Primary Purchase HUD Safe Harbor QM 2 B B B B [3] Government Documentation - FHA - Final HUD Addendum to the Loan Application FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents): 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
92900-A is not compliant.: Disclosure: FHA - Final HUD Addendum to the Loan FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. To be Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Application 92900-A (Government Documents) compliant, borrower(s) signature(s) MUST be on both Part IV and Part V of Page Creditor did not provide a copy of each valuation to applicant three (3) applicant three business days prior to consummation. A signed and dated
[3] General - FHA - Informed Consumer Choice Disclosure was not provided to 2, along with a signature on Page 4. The DE Signature and CHUMS ID is required business days prior to consummation. (Type:Primary/03/XX/2022) appraisal delivery waiver was not provided.
borrower within 3 business days of the loan application.: Disclosure: FHA - for a Manual Underwrite. The lender MUST sign page 1 and 4. [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt
Informed Consumer Choice Disclosure (Government Documents) FHA - Informed Consumer Choice Disclosure not provided to borrower within 3 Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio of Home Mortgage Loan Information Document Not Retained by Lender):
[3] Government Documentation - Important Notice to Homebuyer (92900-B) is business days of the loan application. Document was signed on 03/XX/2022. Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Acknowledgement of Receipt of Home Mortgage Loan Information Document not
missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Loan was originated as FHA. A required Verification of Identification document Information Document not retained by lender. retained by lender.
Documents) was not provided. [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
[3] Application / Processing - Missing Document: Purchase Agreement / Sales FHA - Real Estate Certification is not provided in the file Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not Disclosure Not Provided): Right Not To Close Disclosure was not provided.
Contract not provided provided Right Not To Close Disclosure. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
[3] Application / Processing - Missing Document: Verification of Identification [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
not provided Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided.
[2] Government Documentation - FHA - Initial HUD Addendum to the Loan exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient cure provided for all closing costs above the legal limit.
Application 92900-A was not provided within three days of the application date.: Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance
(Government Documents) Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee of $XXX.No valid changed circumstance was provided. Insufficient cure provided
[2] Government Documentation - FHA - Real Estate Certification was provided at Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds for all closing costs above the legal limit.
or after closing.: Disclosure: FHA - Real Estate Certification (Government tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7591) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Documents) Provided Date: 06/XX/2024; Consummation Date: 09/XX/2022 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance
Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds was provided. Insufficient cure provided for all closing costs above the legal
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) limit.
625489225 XXX XXX XXX XXX XXX $XXX NY 11/XX/2021 6/XX/2021 Second Home Purchase Non QM 2 B B B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2020), K-1 K-1 document and 1065 not provided for XXX. 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing -
(2020) to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Designation has been restated.
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or
the Due Diligence Loan Designation of Non QM. placed in the mail to Borrower within three business days of application.
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure
Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) Provided At Closing: The file is missing a valid valid Change of Circumstance
within three (3) business days of application. (Initial/09/XX/2021) for the increase in Discount Points. Insufficient or no cure was provided to the
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient borrower.
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625488144 XXX XXX XXX XXX XXX $XXX FL 4/XX/2022 1/XX/2022 Primary Purchase Safe Harbor QM (APOR) 1 A A A A 1 A A A A [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing -
Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on
Loan Disclosures: Final Closing Disclosure provided on 04/XX/2022 disclosed the 04/XX/2022 disclosed the Monthly Escrow Payment that does not match the actual
Monthly Escrow Payment that does not match the actual escrow payment for the escrow payment for the loan.
loan. (Final/04/XX/2022)
625488582 XXX XXX XXX XXX XXX $XXX CA 12/XX/2021 11/XX/2021 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Disclosure Not Provided Within 3 Business Days of Application: Affiliated
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to Business Arrangement Disclosure to applicant within three (3) business days of
applicant within three (3) business days of application. application.
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Cure Provided: 0% tolerance was exceeded by -$XXX due to Increase of Lender
Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds Credits. No valid COC provided, nor evidence of cure in file.
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: 0% tolerance was exceeded by $XXX due to Increase of Loan
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Discount Points. No valid COC provided, nor evidence of cure in file.
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
625488649 XXX XXX XXX XXX XXX $XXX OR 1/XX/2022 12/XX/2021 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Federal Compliance - FACTA Disclosure Missing: Missing Facta Disclosure. -
Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to
applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements. (Type:Primary/01/XX/2022)
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625489416 XXX XXX XXX XXX XXX $XXX CA 10/XX/2021 9/XX/2021 Primary Purchase Safe Harbor QM (43-Q) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification appraisal was delivered to borrower was
Creditor did not provide a copy of each valuation to applicant three (3) not provided.
business days prior to consummation. (Type:Primary/09/XX/2021)
625488214 XXX XXX XXX XXX XXX $XXX WA 10/XX/2021 9/XX/2021 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 B B B B [3] Application / Processing - 1003/Declarations: D. 1. Have you or will you be 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
applying for a mortgage loan on another property (not the property securing this Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014):
loan) on or before closing this transaction that is not disclosed on this loan Creditor did not provide a copy of each valuation to applicant three (3)
application? was entered Yes. Unable to determine qualification without this business days prior to consummation. (Type:Primary/10/XX/2021)
information.: Borrower: XXX
[3] Income Documentation - REO Documents are missing.: Address: XXX, WA HOA
Verification, Insurance Verification, Statement, Tax Verification
[3] Document Error - Tax Return end date is more than 90 days prior to note
date. P&L was not found in file. (GSE COVID-19): Borrower: XXX // Employment
Type: Employment / Income Type: Sole Proprietor / Start Date: 01/XX/2019 Note
Date: 10/XX/2021;
Calendar End Date: 12/XX/2020;
625488875 XXX XXX XXX XXX XXX $XXX AZ 4/XX/2022 3/XX/2022 Second Home Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - FACTA Disclosure Missing: FACTA Credit Score Disclosure was -
Creditor did not provide FACTA Credit Score Disclosure. not provided.
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or
Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) placed in the mail to Borrower within three business days of application.
within three (3) business days of application. (Initial/04/XX/2022)
625488585 XXX XXX XXX XXX XXX $XXX NY 6/XX/2022 5/XX/2022 Investment Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
625487936 XXX XXX XXX XXX XXX $XXX PA 5/XX/2021 4/XX/2021 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Creditor did not provide a copy of each valuation to applicant three (3) applicant three (3) business days prior to consummation.
business days prior to consummation. (Type:Primary/05/XX/2021) Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set Residence First Lien: Final Closing Disclosure 05/XX/2021 on a first lien
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor purchase transaction did not disclose any Seller paid fees/charges on page 2
Application Date and Transaction Date used to determine rate used for testing.
[2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees
Primary Residence First Lien: TRID Final Closing Disclosure 05/XX/2021 on a
first lien purchase transaction did not disclose any Seller paid fees/charges on
page 2. (Points and Fees testing limited to Borrower paid fees.)
(Final/05/XX/2021)
625489360 XXX XXX XXX XXX XXX $XXX NC 5/XX/2022 3/XX/2022 Primary Refinance Cash-out - Other Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Designation has been restated.
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
the Due Diligence Loan Designation of Non QM. Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee provided. No cure was provided to the Borrower.
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
625488397 XXX XXX XXX XXX XXX $XXX IL 10/XX/2021 9/XX/2021 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Designation has been restated.
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1
the Due Diligence Loan Designation of Non QM. Underdisclosed - October 2018: Non- Escrowed Property Cost over Year 1 on Final
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Closing Disclosure provided on 10/XX/2021 are under disclosed.
Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan
Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing
Disclosure provided on 10/XX/2021 are underdisclosed. (Final/10/XX/2021)
625488878 XXX XXX XXX XXX XXX $XXX IL 8/XX/2021 3/XX/2021 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Income Documentation - REO Documents are missing.: Address: XXX, IL HOA 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient -
Verification [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Cure Provided: No valid COC provided, nor evidence of cure in file.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
625488234 XXX XXX XXX XXX XXX $XXX CA 11/XX/2021 10/XX/2021 Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 B B B B [3] Document Error - Un-audited P&L Statement provided. Average monthly deposits 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
on the business Account statements do not support the average monthly income on Creditor did not provide FACTA Credit Score Disclosure.
the YTD P&L Statement. (GSE COVID-19): Borrower: XXX // Employment Type:
Employment / Income Type: S-Corp (>= 25%) / Start Date: 06/XX/2018
625489486 XXX XXX XXX XXX XXX $XXX WI 10/XX/2021 8/XX/2021 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing -
Creditor did not provide FACTA Credit Score Disclosure. Credit Score Disclosure.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
625489412 XXX XXX XXX XXX XXX $XXX IL 5/XX/2022 1/XX/2022 Primary Purchase HUD Safe Harbor QM 2 B B B B [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA Mortgage Type is FHA documentation in file 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set Federal Compliance - (Missing Data) Last Rate Set Date: Rate Set Date is -
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor missing.
Application Date and Transaction Date used to determine rate used for testing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Appraisal Re- Inspection Fee increased from $XXX to $XXX, an
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee increase of $XXX, without a Changed Circumstance form in file. A cure of $XXX
Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds was provided.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103)
625488388 XXX XXX XXX XXX XXX $XXX IL 1/XX/2022 10/XX/2021 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All AUS is missing in file. 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient -
conditions were not met File is missing final AUS; final 1008 showing AUS approved was used for review. Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Zero percent tolerance Loan Discount Points Fee disclosed as $XXX
[3] Application / Processing - Missing Document: AUS not provided Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds on Loan Estimate dated 10/XX/2021 but disclosed as $XXX on Final Closing
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) Disclosure. A valid COC nor cure were not provided.
625488894 XXX XXX XXX XXX XXX $XXX OH 3/XX/2022 1/XX/2022 Primary Purchase Safe Harbor QM (43-Q) 3 C C C C [3] Missing Document - CAIVRS Authorization is missing.: Disclosure: CAIVRS CAIVRS Authorization not provided [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage Federal Compliance - Check Loan Designation Match - QM: Originator Loan TILA ATR/QM
Authorization (Government Documents) Lead Based Paint attachment not provided and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation
[3] Government Documentation - FHA MIP Error (Non-Borrower Paid):: Date Issued: Report Date: 02/XX/2022 match Due Diligence Loan Designation of Safe Harbor QM (43-Q). of Safe Harbor QM
03/XX/2022 Calculated FHA upfront premium of $XXX does not match the mortgage [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage Federal Compliance - HUD QM AU Finding Fail: Subject loan is not eligible to be
insurance premium collected on the Closing Disclosure of . (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by insured or guaranteed by FHA.
[3] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan FHA. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
to value discrepancy.: Calculated high loan to value percentage of XXX% exceeds [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Days Prior to Consummation: Acopy of each valuation to applicant three (3)
Guideline combined loan to value percentage of XXX% exceeds Guideline loan to Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): business days prior to consummation
value percentage of 95.00000%. Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA business days prior to consummation. (Type:Secondary/02/XX/2022) Days Prior to Consummation: A copy of each valuation to applicant three (3)
reserves months discrepancy.: Calculated PITIA months reserves of 3.29 is less [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 business days prior to consummation
than Guideline PITIA months reserves of 6.00. Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Federal Compliance - FACTA Disclosure Missing: ACTA Credit Score Disclosure not
[3] Government Documentation - Lead Based Paint Attachment - Attached to Creditor did not provide a copy of each valuation to applicant three (3) provided
Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - business days prior to consummation. (Client:5228/01/XX/2022) State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt
Attached to Purchase Contract (Government Documents) [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: of Home Mortgage Loan Information Document Not Retained by Lender):
[3] Government Documentation - Real Estate Certification is missing.: Creditor did not provide FACTA Credit Score Disclosure. Acknowledgement of Receipt of Home Mortgage Loan Information Document not
Disclosure: FHA - Real Estate Certification (Government Documents) [2] Insurance Eligibility - Loan was originated as FHA insured and compliance provided
[3] Guideline Issue - Recent sale within 90 days is not eligible per FHA was evaluated using the originally intended loan type though the loan is no State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
guidelines.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last longer FHA insured Disclosure Not Provided): Right Not To Close Disclosure not provided
Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022 [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[3] Guideline Issue - Recent sale within 90 days is not eligible per FHA Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Organizations Missing: List of Homeownership Counseling Organizations to
guidelines.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan borrower not provided
Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022 Information Document not retained by lender. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee
Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided
provided Right Not To Close Disclosure. to the borrower
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not Cure Provided: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of
provide List of Homeownership Counseling Organizations to borrower. $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without borrower.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (7520)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX.
Insufficient or no cure was provided to the borrower. (75174)
625489050 XXX XXX XXX XXX XXX $XXX IL 10/XX/2021 9/XX/2021 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: -
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Closing Disclosure not provided to Borrower at least three business days prior
at least three (3) business days prior to closing. (Initial/10/XX/2021) to closing.
625488882 XXX XXX XXX XXX XXX $XXX IL 7/XX/2022 6/XX/2022 Investment Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Creditor did not provide a copy of each valuation to
Creditor did not provide a copy of each valuation to applicant three (3) applicant three business days prior to consummation.
business days prior to consummation. (Type:Primary/07/XX/2022)
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not
provide "Right to Receive a Copy" appraisal disclosure to consumer.
625488211 XXX XXX XXX XXX XXX $XXX CO 9/XX/2020 8/XX/2020 Primary Purchase Safe Harbor QM 1 A A A A 1 A A A A [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing -
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Provided At Closing: The Tolerance Cure was reflected on the Closing Disclosure.
Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304)
625488026 XXX XXX XXX XXX XXX $XXX CA 12/XX/2020 12/XX/2020 Primary Purchase Safe Harbor QM 1 A A A A [3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline Employment Authorization, Resident Alien Card, Passport and VISA missing in loan 1 A A A A -
required documentation was not provided.: Borrower: XXX, Borrower: XXX file.
[3] General - Missing Document: Verification of Non-US Citizen Status not Employment Authorization, Resident Alien Card, Passport and VISA missing in loan
provided file.
625487956 XXX XXX XXX XXX XXX $XXX CA 3/XX/2021 2/XX/2021 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - FACTA Disclosure Missing: Missing Facta Disclosure. REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing -
Creditor did not provide FACTA Credit Score Disclosure. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Provided At Closing: 0% tolerance was exceeded by $XXX due to Increase of
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Appraisal Fee. No valid COC provided, nor evidence of cure in file.
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
625488434 XXX XXX XXX XXX XXX $XXX NY 1/XX/2020 11/XX/2019 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not provided Fraud Report is missing. 2 B B B B [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Federal Compliance - Notice of Right to Cancel Missing: RTC is missing. -
Act: Notice of Right to Cancel was not provided. Federal Compliance - TRID Interim Closing Disclosure Timing Test: Missing
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Initial Closing Disclosure.
Integrated Disclosure – Corrected Closing Disclosure provided on or after Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
01/XX/2020 contains a change in APR and was not received by borrower at least Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
three (3) business days prior to consummation tolerance of $XXX. No Valid Change circumstance in file.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Credit Report Fee on closing disclosure is $XXX and on loan
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. estimate $XXX. No Valid Change circumstance in file.
Insufficient or no cure was provided to the borrower. (0)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (7520)
625488654 XXX XXX XXX XXX XXX $XXX CA 11/XX/2020 10/XX/2020 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Asset Calculation / Analysis - Available for Closing is insufficient to No asset verification provided. Per final Closing Disclosure, funds from 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before -
cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is borrower are $XXX. Additionally, source of fees paid prior to closing ($XXX) are Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower Closing (3-Day Waiver In File): Neither evidence of appraisal delivery nor
less than Cash From Borrower $XXX. not verified. waived right to receive a copy of the appraisal at least three (3) business days compliant acknowledgment of receipt signed at closing is provided.
prior to closing, and appraisal was not provided at or before closing.
(Type:Primary/11/XX/2020)
625488253 XXX XXX XXX XXX XXX $XXX NY 1/XX/2021 11/XX/2020 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount HOI coverage is insufficient by $XXX. Provide verification of policy with 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final -
is insufficient. sufficient coverage OR provide copy of insurer's replacement cost estimate TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Closing Disclosure reflects Amount Finance of $XXX but calculated Amount Finance
supporting current coverage amount. provided on 01/XX/2021 disclosed an Amount Financed disclosed an inaccurate of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of letter sent
Amount Financed. The disclosed Amount Financed in the amount of $XXX is over to borrower explaining changes.
disclosed by $XXX compared to the calculated Amount Financed of $XXX and the Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing
disclosed Finance Charge is not accurate within applicable tolerances for Amount Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of
Financed to be considered accurate (fee amounts included in Amount Financed and $XXX.Variance = -$XXX. Lender to provide corrected CD and copy of letter sent to
Finance Charge calculations are based on Closing Disclosure dated 01/XX/2021). borrower explaining changes.
(Final/XX/20/2021) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Cure Provided: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Insufficient or no cure was provided to the borrower. (0)
provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
does not match the actual Finance Charge for the loan. The disclosed Finance Cure Provided: Appraisal Fee was last disclosed as $.00 on LE but disclosed as
Charge in the amount of $XXX is under disclosed by $XXX compared to the $XXX on Final Closing Disclosure. File does not contain a valid COC for this
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts fee, cure provided at closing.
included in Finance Charge calculation are based on Closing Disclosure dated
01/XX/2021). (Final/XX/20/2021)
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
Insufficient or no cure was provided to the borrower. (0)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Insufficient or no cure was provided to the borrower. (7506)
625488530 XXX XXX XXX XXX XXX $XXX NY 11/XX/2019 7/XX/2019 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing -
Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to Performed: The file is missing documentation verifying the borrowers received a
applicant is prior to the date when valuation was performed. Unable to determine copy of the appraisal within 3 business days of closing.
compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan Estimate provided on 11/XX/2019 not received by borrower within timeframe
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 of 4 days. It was signed on 11/XX/2019.
not received by borrower at least four (4) business days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
(Interim/11/XX/2019) Provided At Closing: Zero Percent Fee Tolerance exceeded Loan Discount Points.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Fee Amount of $XXX exceeds previously disclosed amount of $XXX. A valid COC, nor
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee a cure tolerance were provided.
Tolerance exceeded for Extension Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7349)
625488903 XXX XXX XXX XXX XXX $XXX NY 1/XX/2020 11/XX/2019 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Federal Compliance - TRID Interim Closing Disclosure Timing Test: Final CD -
Integrated Disclosure – Corrected Closing Disclosure provided on or after issued 1/XX/2020 provided to and received by Borrower on 1/XX/2020 closing date.
01/XX/2020 contains a change in APR and was not received by borrower at least Revised CD issued 1/XX/2020 is incomplete. Closing Date is not disclosed.
three (3) business days prior to consummation Sections of pages 1, 3, 4 and 5 are blank/incomplete.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Recording fee amount increased in Final CD issued 1/XX/2020 with
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. no valid Change of Circumstance evident.
Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Fee amount disclosed in Final CD issued 1/XX/2020 with no valid
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Change of Circumstance evident.
Tolerance exceeded for Loan Originator Compensation. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7326)
625488464 XXX XXX XXX XXX XXX $XXX NY 1/XX/2020 10/XX/2019 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign 2 B B B B [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient -
Consent Agreement Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided.
Insufficient or no cure was provided to the borrower. (0) No cure was provided to the Borrower.
625489192 XXX XXX XXX XXX XXX $XXX CO 2/XX/2020 1/XX/2020 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: -
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Loan Estimate not delivered to Borrower within three business days of
Borrower(s) within three (3) business days of application. Initial Loan Estimate application.
dated 01/XX/2020 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/01/XX/2020)
625488821 XXX XXX XXX XXX XXX $XXX NY 11/XX/2019 8/XX/2019 Primary Refinance Cash-out - Other Non QM 3 C C C C [3] Application / Processing - Missing Document: Fraud Report not provided Fraud Report is missing in file. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage Federal Compliance - Check Loan Designation Match - QM: Loan designation SELLER - GENERAL COMMENT (2024/XX/06): Appeal: See D0256 Mavent Report GENERAL COMMENT (2024/XX/06): Appeal: See D0256 Mavent Report reflecting lenders TILA ATR/QM
(Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency mismatch due to loan failing QM Points and Fees testing. reflecting lenders undiscounted interest rate of 4.5%. Up to 2 Bona Fide undiscounted interest rate of 4.5%. Up to 2 Bona Fide discount points are
Eligible) does not match Due Diligence Loan Designation of Non QM. Federal Compliance - QM Points and Fees: Points and Fees on subject loan of discount points are excludable as each point reduced the rate by 0.2083% which excludable as each point reduced the rate by 0.2083% which exceeds the threshold
[3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 4.31292% is in excess of the allowable maximum of 3.00000% of the Federal Total exceeds the threshold to be considered bona fide. $XXX (or 2%) of the discount to be considered bona fide. $XXX (or 2%) of the discount point fee is
2014): Points and Fees on subject loan of 4.30530% is in excess of the allowable Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX point fee is excludable. excludable.
maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.31292%). REVIEWER - GENERAL COMMENT (2024/XX/10): With the undiscounted rate of 4.5%, the
on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an points and fees are exceeded by $XXX.
overage of $XXX or 1.30530%).
625488937 XXX XXX XXX XXX XXX $XXX MA 5/XX/2021 1/XX/2021 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 1 A A A A [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" 1 A A A A -
and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation
Report Date: 02/XX/2021
625488278 XXX XXX XXX XXX XXX $XXX NY 4/XX/2019 11/XX/2018 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: -
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Initial Closing Disclosure not provided to Borrower at least three business days
at least three (3) business days prior to closing. (Final/04/XX/2019) prior to closing..
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing
Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of Agent and Other). Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the circumstance was provided. Insufficient cure provided for all closing costs
borrower. (7742) above the legal limit.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided.
$XXX. Insufficient or no cure was provided to the borrower. (7506) Insufficient cure provided for all closing costs above the legal limit.
625488593 XXX XXX XXX XXX XXX $XXX NY 12/XX/2019 8/XX/2019 Primary Refinance Rate/Term Safe Harbor QM 3 C C B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Missing verbal verification of employment within 10 business days of the note 3 C C B B [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage Federal Compliance - Check Loan Designation Match - QM: Loan designation of TILA ATR/QM
Only date. (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Temporary SHQM does not match due to missing verbal verification of employment
[3] Income Documentation - Income documentation requirements not met. Missing verbal verification of employment within 10 business days of the note Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. within 10 business days of the note date.
[3] Income Documentation - The verification of employment is not within 10 date. [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Federal Compliance - QM Employment History - Current Employment Documentation
business days of the Note.: Borrower: XXX // Employment Type: Employment / Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to lacks Date Info: The documentation entered for this income source lacks
Income Type: Wages / Start Date: 01/XX/2017 applicant is prior to the date when valuation was performed. Unable to determine sufficient date/duration information to verify the 2 year history as required by
compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) Appendix Q.
[2] Federal Compliance - QM Employment History - Current Employment Federal Compliance - (Missing Data) Last Rate Set Date: Initial Rate Lock Date
Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing not provided.
Employment Dates to verify two years current employment. (XXX/14070622) Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set Organizations Not Provided Within 3 Business Days of Application: List of
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Homeownership Counseling Organizations not provided to applicant within three
Application Date and Transaction Date used to determine rate used for testing. business days of application.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Federal Compliance - TRID Loan Estimate Timing: Application date is 08/XX/2019,
Organizations Not Provided Within 3 Business Days of Application: RESPA earliest Loan Estimate in file is 08/XX/2019.
Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Organizations not provided to applicant within three (3) business days of Cure Provided: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee
application. Amount of $XXX exceeds tolerance of $XXX. A valid COC, nor cure were provided.
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated
Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s)
within three (3) business days of application. (Initial/08/XX/2019)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Insufficient or no cure was provided to the borrower. (7552)
625489039 XXX XXX XXX XXX XXX $XXX NY 2/XX/2020 1/XX/2020 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: -
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Closing Disclosure not provided to Borrower(s) at least three (3) business days
at least three (3) business days prior to closing. (Initial/02/XX/2020) prior to closing.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the
Insufficient or no cure was provided to the borrower. (0) borrower. (0)
625488747 XXX XXX XXX XXX XXX $XXX NV 2/XX/2020 12/XX/2019 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Application / Processing - Missing Document: Bankruptcy Documents not Bankruptcy Documents not provided. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
provided File is missing Fraud report Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: No evidence in file showing borrower receive copy of
[3] Application / Processing - Missing Document: Fraud Report not provided Creditor did not provide a copy of each valuation to applicant three (3) appraisal.
business days prior to consummation. (Type:Primary/01/XX/2020) Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document not
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set provided.
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
Application Date and Transaction Date used to determine rate used for testing. Closing Disclosure not provided to Borrower(s) at least three (3) business days
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: prior to closing. (Initial/01/XX/2020)
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
at least three (3) business days prior to closing. (Initial/01/XX/2020) Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without cure was provided to the borrower.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
625488732 XXX XXX XXX XXX XXX $XXX FL 3/XX/2020 2/XX/2020 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 1 A A A A [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign 1 A A A A -
Consent Agreement
625489245 XXX XXX XXX XXX XXX $XXX CT 12/XX/2020 11/XX/2020 Primary Purchase Temporary HPQM (GSE/Agency Eligible) 3 C C B B 3 C C B B [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage Federal Compliance - Check Loan Designation Match - QM: Loan Designation is TILA ATR/QM
(Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency determined to be Temporary HPML.
Eligible) does not match Due Diligence Loan Designation of Temporary HPQM
(GSE/Agency Eligible).
625489307 XXX XXX XXX XXX XXX $XXX CO 12/XX/2020 9/XX/2020 Primary Refinance Cash-out - Home Improvement Temporary SHQM (GSE/Agency Eligible) 1 A A A A 1 A A A A -
625489608 XXX XXX XXX XXX XXX $XXX NY 4/XX/2019 12/XX/2018 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien 2 B B B B [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Date -
not provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on issued not completed on Closing Disclosure.
04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Date
determine Final Closing disclosure to use to test for compliance with applicable issued not completed on Closing Disclosure.
TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Finance
at or before consummation due to missing Issue Date. Tested using an estimated Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX.
Date Issued based on best information available. (Initial/04/XX/2019) Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX.
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively Proof of earlier delivery not found in file.
determine Final Closing disclosure to use to test for compliance with applicable Federal Compliance - TRID Interim Closing Disclosure Timing Test: Proof of
TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures delivery not found in file.
at or before consummation due to missing Issue Date. Tested using an estimated Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient
Date Issued based on best information available. (Interim/04/XX/2019) Cure Provided: Lender Credit was last disclosed as -$XXX on LE but disclosed as-
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: $XXX on Final Closing Disclosure. File does not contain a valid Change of
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Circumstance for this fee, nor evidence of cure in file.
provided on 04/XX/2019 disclosed an Amount Financed disclosed an inaccurate Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >
Amount Financed. The disclosed Amount Financed in the amount of $XXX is over Closing Disclosure Issue and Received Date: Loan Estimate provided after the
disclosed by $XXX compared to the calculated Amount Financed of $XXX and the date of Closing Disclousre.
disclosed Finance Charge is not accurate within applicable tolerances for Amount Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Proof of
Financed to be considered accurate (fee amounts included in Amount Financed and receipt not in file.
Finance Charge calculations are based on Closing Disclosure dated 04/XX/2019). Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
(Final/04/XX/2019) Cure Provided: Service Charge Fee was not disclosed on Loan Estimate. File does
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: not contain a valid Change of Circumstance for this fee, nor evidence of cure.
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 04/XX/2019 disclosed an inaccurate Finance Charge on page 5 that
does not match the actual Finance Charge for the loan. The disclosed Finance
Charge in the amount of $XXX is under disclosed by $XXX compared to the
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts
included in Finance Charge calculation are based on Closing Disclosure dated
04/XX/2019). (Final/04/XX/2019)
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s)
at least three (3) business days prior to closing. (Initial/04/XX/2019)
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA
Integrated Disclosure – Corrected Closing Disclosure provided on or after
04/XX/2019 contains a change in APR and was not received by borrower at least
three (3) business days prior to consummation
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >
Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure:
Revised Loan Estimate provided on or after the date the Closing Disclosure was
provided. (The Revised Loan Estimate was received on or after the Closing
Disclosure.) (Interim/04/XX/2019)
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 04/XX/2019
not received by borrower at least four (4) business days prior to closing.
(Interim/04/XX/2019)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Service Charges. Fee Amount of $XXX exceeds tolerance of
$XXX. Insufficient or no cure was provided to the borrower. (7527)
625489631 XXX XXX XXX XXX XXX $XXX GA 6/XX/2021 5/XX/2021 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set -
and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor
Application Date and Transaction Date used to determine rate used for testing.
625488787 XXX XXX XXX XXX XXX $XXX TX 9/XX/2019 8/XX/2019 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing -
Consent Agreement Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower Closing (3-Day Waiver In File): No evidence in file of when the borrower
waived right to receive a copy of the appraisal at least three (3) business days received a copy of the dated 08/XX/2019.
prior to closing, and appraisal was not provided at or before closing. Federal Compliance - TRID Final Closing Disclosure APR: Loan Calculations: APR
(Type:Primary/08/XX/2019) of XX.XX% on Final Closing Disclosure provided on 09/XX/2019 is under-disclosed
[2] Federal Compliance - TRID Final Closing Disclosure APR: TILA-RESPA from the calculated APR of XX.XX% outside of 0.125% tolerance.
Integrated Disclosure - Loan Calculations: APR of XX.XX% on Final Closing Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing
Disclosure provided on 09/XX/2019 is under-disclosed from the calculated APR of Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page
XX.XX% outside of 0.125% tolerance. (Final/09/XX/2019) 5 that does not match the actual Finance Charge for the loan. The disclosed
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts
provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page 5 that included in Finance Charge calculation are based on Closing Disclosure dated
does not match the actual Finance Charge for the loan. The disclosed Finance 09/XX/2019).
Charge in the amount of $XXX is under disclosed by $XXX compared to the Federal Compliance - TRID Final Closing Disclosure Principal and Interest: The
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts interest rate on the Note does not match the interest rate on Final CD which
included in Finance Charge calculation are based on Closing Disclosure dated increases the P&I and DTI.
09/XX/2019). (Final/09/XX/2019) Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
[2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Fixed Rate Subsequent Payments: P&I ($XXX) from Note document not matched with
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided Final CD($XXX)
on 09/XX/2019 disclosed a Principal and Interest Payment that does not match the The interest rate on the Note does not match the interest rate on Final CD which
actual payment for the loan. (Final/09/XX/2019) increases the P&I and DTI.
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min
Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payment Fixed Rate Initial Payment: P&I ($XXX) from Note document not matched
Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic with Final CD($XXX)
principal and interest payment for payment stream 2 that does not match the Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan
actual payment for the loan. (ProjSeq:2/2545236) Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min inaccurate Total of Payments on page 5 that does not match the actual total of
Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected payments for the loan (fee amounts included in TOP calculation are based on
Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the
principal and interest payment for payment stream 1 that does not match the amount of $XXX is under disclosed by $XXX compared to the calculated total of
actual payment for the loan. (ProjSeq:1/2545235) payments of $XXX which exceeds the $XXX threshold.
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Closing Disclosure not provided to Borrower(s) at least three (3) business days
provided on 09/XX/2019 disclosed an inaccurate Total of Payments on page 5 that prior to closing.
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 09/XX/2019). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/09/XX/2019)
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver:
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s)
at least three (3) business days prior to closing. (Initial/09/XX/2019)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
625489599 XXX XXX XXX XXX XXX $XXX IL 3/XX/2021 2/XX/2021 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing -
RESPA: Initial escrow account statement was not provided to the borrower. Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on
[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - 03/XX/2021 disclosed the Monthly Escrow Payment on 1st page as $XXX and #360.62
Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - on page 4th that does not match the actual escrow payment for the loan.
Loan Disclosures: Final Closing Disclosure provided on 03/XX/2021 disclosed the
Monthly Escrow Payment that does not match the actual escrow payment for the
loan. (Final/03/XX/2021)
625489708 XXX XXX XXX XXX XXX $XXX FL 12/XX/2019 11/XX/2019 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 1 A A A A [3] Application / Processing - Missing Document: Fraud Report not provided 1 A A A A -
625488158 XXX XXX XXX XXX XXX $XXX FL 1/XX/2020 8/XX/2019 Primary Refinance Rate/Term Temporary SHQM (GSE/Agency Eligible) 1 A A A A 1 A A A A -
625489424 XXX XXX XXX XXX XXX $XXX MO 2/XX/2019 2/XX/2019 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification appraisal was delivered to borrower was
Creditor did not provide a copy of each valuation to applicant three (3) not provided.
business days prior to consummation. (Type:Primary/02/XX/2019) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee cure was provided to the borrower.
Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXX exceeds Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7727) Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without cure was provided to the borrower.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.
(75178)
625489652 XXX XXX XXX XXX XXX $XXX WI 7/XX/2021 5/XX/2021 Primary Refinance Cash-out - Other Temporary SHQM (GSE/Agency Eligible) 1 A A A A [3] Loan File - Missing Document: Hazard Insurance Policy not provided 1 A A A A -
625488206 XXX XXX XXX XXX XXX $XXX FL 8/XX/2023 7/XX/2023 Primary Purchase Safe Harbor QM (APOR) 2 B B B B [3] Application / Processing - Missing Document: Verification of Identification Verification of Identification is missing 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final -
not provided TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Closing Disclosure provided on 08/XX/2023 disclosed an Amount Financed disclosed
provided on 08/XX/2023 disclosed an Amount Financed disclosed an inaccurate an inaccurate Amount Financed. The disclosed Amount Financed in the amount of
Amount Financed. The disclosed Amount Financed in the amount of $XXX is over $XXX is over disclosed by $XXX compared to the calculated Amount Financed of
disclosed by $XXX compared to the calculated Amount Financed of $XXX and the $XXX and the disclosed Finance Charge is not accurate within applicable
disclosed Finance Charge is not accurate within applicable tolerances for Amount tolerances for Amount Financed to be considered accurate (fee amounts included
Financed to be considered accurate (fee amounts included in Amount Financed and in Amount Financed and Finance Charge calculations are based on Closing
Finance Charge calculations are based on Closing Disclosure dated 08/XX/2023). Disclosure dated 08/XX/2023).
(Final/08/XX/2023) Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure 5 that does not match the actual Finance Charge for the loan. The disclosed
provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page 5 that Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the
does not match the actual Finance Charge for the loan. The disclosed Finance calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts
Charge in the amount of $XXX is under disclosed by $XXX compared to the included in Finance Charge calculation are based on Closing Disclosure dated
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts 08/XX/2023).
included in Finance Charge calculation are based on Closing Disclosure dated
08/XX/2023). (Final/08/XX/2023)
625488962 XXX XXX XXX XXX XXX $XXX FL 12/XX/2023 11/XX/2023 Primary Purchase HUD Safe Harbor QM 2 B B B B [3] Government Documentation - Initial HUD Addendum 92900-A is missing.: Insurance Certificate and Mortgage Insurance Evidence are missing. 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: REVIEWER - CURED COMMENT (2024/XX/26): Sufficient Cure Provided At Closing -
Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A Creditor did not provide FACTA Credit Score Disclosure.
(Government Documents) [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not
Evidence are missing. provide List of Homeownership Counseling Organizations to borrower.
[2] General - Loan has been identified as FHA/VA/USDA [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625489635 XXX XXX XXX XXX XXX $XXX NC 10/XX/2023 9/XX/2023 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 A A A A 1 A A A A -
625489490 XXX XXX XXX XXX XXX $XXX NY 9/XX/2023 6/XX/2023 Primary Purchase Safe Harbor QM (APOR) 1 A A A A 1 A A A A -
625489353 XXX XXX XXX XXX XXX $XXX IN 9/XX/2023 7/XX/2023 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before -
Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower
waived right to receive a copy of the appraisal at least three (3) business days
prior to closing, and appraisal was not provided at or before closing.
(Type:Primary/08/XX/2023)
625488494 XXX XXX XXX XXX XXX $XXX OH 11/XX/2023 10/XX/2023 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date -
Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to Performed: Delivery of appraisal not provided to the borrower within 3 days
applicant is prior to the date when valuation was performed. Unable to determine prior to closing.
compliance with appraisal timing requirements. (Type:Primary/10/XX/2023) Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Credit Score Disclosure.
Creditor did not provide FACTA Credit Score Disclosure. State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt
[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of of Home Mortgage Loan Information Document Not Retained by Lender):
Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Acknowledgement of Receipt of Home Mortgage Loan Information Document not
Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan retained by lender.
Information Document not retained by lender. State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
[2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Right not to close disclosure not provided to
Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not borrower.
provided Right Not To Close Disclosure.
625489526 XXX XXX XXX XXX XXX $XXX WI 10/XX/2023 9/XX/2023 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before -
Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the
waived right to receive a copy of the appraisal at least three (3) business days appraisal at least three (3) business days prior to closing, and appraisal was
prior to closing, and appraisal was not provided at or before closing. not provided at or before closing. (Type:Primary/09/XX/2023)
(Type:Primary/09/XX/2023) Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure not provided.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625489726 XXX XXX XXX XXX XXX $XXX IL 10/XX/2019 8/XX/2019 Primary Refinance Limited Cash-out GSE Safe Harbor QM 1 A A A A 1 A A A A [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing -
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
payment stream 4 that does not match the actual payment for the loan. REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
(ProjSeq:4/2649919)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2649918)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2649917)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2649916)
625487935 XXX XXX XXX XXX XXX $XXX MA 8/XX/2020 7/XX/2020 Primary Purchase Safe Harbor QM 2 B B B B [2] Income Documentation - Income Docs Missing:: Borrower: XXX W-2 (2019) W-2 (2019) is missing in the file. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - QM Employment History - Current and/or Previous Federal Compliance - QM Employment History - Current and/or Previous Employment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
[2] Income Documentation - Income documentation requirements not met. File is missing verification of 2 Years Employment history for both Borrowers. factors. Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Documentation lacks Date Info: Missing Employment Dates to verify two years REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating Missing Employment Dates to verify two years employment history for current employment history for current and/or prior employment. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
factors. and/or prior employment. (XXX/14694296) Federal Compliance - QM Employment History - Current and/or Previous Employment
[2] Federal Compliance - QM Employment History - Current and/or Previous Documentation lacks Date Info: Missing Employment Dates to verify two years Borrower has worked in the same position for more than 3 years.
Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): employment history for current and/or prior employment.
Missing Employment Dates to verify two years employment history for current Borrower's monthly reserves have been verified and exceed the amount required
and/or prior employment. (XXX/14686997) based on the guidelines by at least 4 months.
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >
Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Borrowers made a down payment from their own funds on this purchase transaction
Revised Loan Estimate provided on or after the date the Closing Disclosure was of at least 5% and $XXX.
provided. (The Revised Loan Estimate was received on or after the Closing
Disclosure.) (Interim/08/XX/2020) The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488220 XXX XXX XXX XXX XXX $XXX MA 9/XX/2021 7/XX/2021 Second Home Purchase Safe Harbor QM (APOR) 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign The file is missing the mortgage HOA documentation for this property. Please REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Finance REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement provide for review. factors. (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Income Documentation - REO Documents are missing.: Address: XXX, VT HOA The file is missing the mortgage HOA documentation for this property. Please REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Regulation: File does not contain evidence that analysis of borrower’s ability Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
Verification provide for review. factors. to repay was performed based on verified income, obligations, assets, and/or Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00.
[2] Income Documentation - REO Documents are missing.: Address: XXX, MA HOA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating employment using PITI payment based on fully indexed rate and fully amortizing Borrower has worked in the same position for more than 3 years.
Verification factors. payment, if applicable
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Borrowers made a down payment from their own funds on this purchase transaction
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure of at least 5% and $XXX.
provided on 08/XX/2021 disclosed an Amount Financed disclosed an inaccurate
Amount Financed. The disclosed Amount Financed in the amount of $XXX is over The representative FICO score exceeds the guideline minimum by at least 40
disclosed by $XXX compared to the calculated Amount Financed of $XXX and the points.
disclosed Finance Charge is not accurate within applicable tolerances for Amount
Financed to be considered accurate (fee amounts included in Amount Financed and
Finance Charge calculations are based on Closing Disclosure dated 10/XX/2021).
(Final/08/XX/2021)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 08/XX/2021 disclosed an inaccurate Finance Charge on page 5 that
does not match the actual Finance Charge for the loan. The disclosed Finance
Charge in the amount of $XXX is under disclosed by $XXX compared to the
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts
included in Finance Charge calculation are based on Closing Disclosure dated
10/XX/2021). (Final/08/XX/2021)
625489219 XXX XXX XXX XXX XXX $XXX MA 10/XX/2021 8/XX/2021 Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 B B B B [2] Income Documentation - Verification(s) of employment is not within 10 Verification(s) of employment is not within 10 business days of the Note. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Federal Compliance - TRID Final Closing Disclosure Finance Charge: "Loan REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
business days of the Note.: Borrower: XXX // Employment Type: Employment / factors. TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Calculations (pg 5) - one of these occurred: 1) Finance Charge is blank; 2) REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Income Type: Wages / Start Date: 01/XX/2020 provided on 10/XX/2021 disclosed an inaccurate Finance Charge on page 5 that Primary residence refinance and Calculated Finance Charge exceeds disclosed Borrower has verified disposable income of at least $XXX.
does not match the actual Finance Charge for the loan. The disclosed Finance Finance Charge by more than $XXX; 3) Primary residence purchase or occupancy =
Charge in the amount of $XXX is under disclosed by $XXX compared to the Second Home and Calculated Finance Charge exceeds disclosed Finance Charge by Borrower has worked in the same position for more than 3 years.
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts more than $XXX."
included in Finance Charge calculation are based on Closing Disclosure dated Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Borrower's monthly reserves have been verified and exceed the amount required
10/XX/2021). (Final/10/XX/2021) Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of based on the guidelines by at least 4 months.
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Payments on page 5 that does not match the actual total of payments for the loan
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure (fee amounts included in TOP calculation are based on Closing Disclosure dated The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that 10/XX/2021). The disclosed Total of Payments in the amount of $XXX is under by at least 10%.
does not match the actual total of payments for the loan (fee amounts included disclosed by $XXX compared to the calculated total of payments of $XXX which
in TOP calculation are based on Closing Disclosure dated 10/XX/2021). The exceeds the $XXX threshold. (Final/10/XX/2021) The Loan to Value (LTV) on the loan is less than the guideline maximum by at
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX least 10%.
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/10/XX/2021) The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625489026 XXX XXX XXX XXX XXX $XXX FL 2/XX/2017 12/XX/2016 Second Home Refinance Rate/Term Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/21): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors. Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Cure Provided: Tax Service Fee (Life Of Loan) was last disclosed as $XXX on the REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Income Documentation - REO Documents are missing.: Address: XXX, FL, REVIEWER - WAIVED COMMENT (2025/XX/21): Client elects to waive with compensating Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
Address: XXX, IL, Address: XXX, IL Insurance Verification, Statement, Tax factors. exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. valid COC was provided for this change, nor evidence of cure.
Verification (7580) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Borrower has worked in the same position for more than 3 years.
Insurance Verification [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Title - Endorsement Fee was last disclosed as $XXX on the Loan
Insurance Verification Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC Borrower's monthly mortgage payment has decreased by at least 20%.
Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds was provided for this change, nor evidence of cure.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Borrower's monthly reserves have been verified and exceed the amount required
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Cure Provided: Title - Abstract / Title Search Fee was last disclosed as $XXX on based on the guidelines by at least 4 months.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No
Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX valid COC was provided for this change, nor evidence of cure. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. by at least 10%.
(75178)
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625488522 XXX XXX XXX XXX XXX $XXX IL 10/XX/2019 9/XX/2019 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Interest Rate Table: Final Closing Disclosure provided on 10/XX/2019 did not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Creditor did not provide a copy of each valuation to applicant three (3) disclose an accurate Index as reflected on the Note. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
business days prior to consummation. (Type:Primary/09/XX/2019) REVIEWER - CURED COMMENT (2024/XX/16): Sufficient Cure Provided At Closing
[2] Federal Compliance - TILA NMLSR - Originator Company Not Licensed at time of
Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator
Organization not NMLS licensed or registered at time of application.
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index:
TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing
Disclosure provided on 10/XX/2019 did not disclose an accurate Index as
reflected on the Note. (Final/10/XX/2019)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625488362 XXX XXX XXX XXX XXX $XXX IL 11/XX/2019 9/XX/2019 Primary Refinance Rate/Term Safe Harbor QM 2 B B B B 2 B B B B [2] Federal Compliance - QM Employment History - Current and/or Previous Federal Compliance - QM Employment History - Current and/or Previous Employment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Documentation lacks Date Info: VOE for the previous employment is missing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Missing Employment Dates to verify two years employment history for current Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
and/or prior employment. (XXX/14555803) Initial Loan Estimate dated 09/XX/2019 was electronically provided prior to
[2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance borrower's consent to receive electronic disclosures.
Costs: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing
Disclosure provided on 11/XX/2019 disclosed whether Homeowners insurance is
included in escrow in incorrect section. Creditor disclosed insurance to
consumer in “Other” section where regulation requires disclosure under
“Homeowner’s Insurance” section of Projected Payments table. Disclosure
requirement met, non-material exception for incorrect format/placement.
(Final/11/XX/2019)
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to
Borrower(s) within three (3) business days of application. Initial Loan Estimate
dated 09/XX/2019 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/09/XX/2019)
625488078 XXX XXX XXX XXX XXX $XXX IL 12/XX/2019 11/XX/2019 Primary Refinance Rate/Term Safe Harbor QM 1 A A A A 1 A A A A GENERAL COMMENT (2024/XX/30): Original coverage - Required coverage equal to -
loan amount of $XXX required as exceeds 80% of value. Sufficient coverage in
file of $XXX(Dwelling $XXX + other structures $XXX). Current insurance also
attached showing coverage of $XXX.
625488761 XXX XXX XXX XXX XXX $XXX IL 12/XX/2019 11/XX/2019 Primary Purchase Safe Harbor QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification appraisal was delivered to borrower was
Creditor did not provide a copy of each valuation to applicant three (3) not provided.
business days prior to consummation. (Type:Primary/11/XX/2019)
625489456 XXX XXX XXX XXX XXX $XXX IL 12/XX/2020 4/XX/2020 Investment Refinance Rate/Term 1 A A A A [2] General - Missing Document: 1007 Rent Comparison Schedule not provided File is missing a copy of the 1007 Rent Comparison Schedule. REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
factor.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489651 XXX XXX XXX XXX XXX $XXX IL 12/XX/2020 4/XX/2020 Investment Refinance Rate/Term 1 A A A A [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, REVIEWER - WAIVED COMMENT (2025/XX/20): Insufficient Qualifying Income has 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
debt ratio discrepancy.: Calculated investor qualifying total debt ratio of exceeding the maximum AUS approved DTI ratio of $XXX% resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI
44.91682% exceeds AUS total debt ratio of 27.78000%. Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, ratio of $XXX% Borrower has verified disposable income of at least $XXX.
[2] Income Documentation - Income documentation requirements not met. exceeding the maximum AUS approved DTI ratio of $XXX% REVIEWER - WAIVED COMMENT (2025/XX/20): Insufficient Qualifying Income has
[2] Income Documentation - REO Documents are missing.: Address: XXX, IL, resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI Borrower has worked in the same position for more than 3 years.
Address: XXX, IL, Address: XXX, IL Statement, Tax Verification ratio of $XXX%
Statement, Tax Verification REVIEWER - WAIVED COMMENT (2025/XX/20): Statement, Tax Verification Statement, Borrower's monthly mortgage payment has decreased by at least 20%.
Statement, Tax Verification Tax Verification Statement, Tax Verification
The Loan to Value (LTV) on the loan is less than or equal to 70%.
The refinance has decreased the borrower's monthly debt payments by 20% or more.
The representative FICO score is above 680.
625488900 XXX XXX XXX XXX XXX $XXX MO 3/XX/2021 8/XX/2020 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that 5 that does not match the actual Finance Charge for the loan. The disclosed REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
does not match the actual Finance Charge for the loan. The disclosed Finance Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold. REVIEWER - CURED COMMENT (2024/XX/12): Sufficient Cure Provided At Closing
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - CURED COMMENT (2024/XX/12): Sufficient Cure Provided At Closing
included in Finance Charge calculation are based on Closing Disclosure dated Final Closing Disclosure provided on 03/XX/2021 with an increasing payment
04/XX/2021). (Final/03/XX/2021) disclosed the due date of the last payment of interest only that does not match
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only the actual last payment for the loan.
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
provided on 03/XX/2021 with an increasing payment disclosed the due date of the Overdisclosed - October 2018 Construction Permanent: Amount of Estimated
last payment of interest only that does not match the actual last payment for Property Costs over Year 1 of XXX on Final Closing Disclosure provided on
the loan. (Final/03/XX/2021) 03/XX/2021 are over disclosed.
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not
XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. match the actual total of payments for the loan (fee amounts included in TOP
(Final/03/XX/2021) calculation are based on Closing Disclosure dated 04/XX/2021). The disclosed
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments in the amount of $XXX is under disclosed by $XXX compared to
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure the calculated total of payments of $XXX which exceeds the $XXX threshold.
provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
does not match the actual total of payments for the loan (fee amounts included Disclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an
in TOP calculation are based on Closing Disclosure dated 04/XX/2021). The escrow payment for payment stream 1 that does not match the actual payment for
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX the loan.
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/03/XX/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2646079)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (7552)
625489648 XXX XXX XXX XXX XXX $XXX IN 12/XX/2020 10/XX/2020 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final
the Due Diligence Loan Designation of Non QM. Closing Disclosure provided on 12/XX/2020 did not disclose an accurate Index as
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: reflected on the Note.
TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing
Disclosure provided on 12/XX/2020 did not disclose an accurate Index as
reflected on the Note. (Final/12/XX/2020)
625489094 XXX XXX XXX XXX XXX $XXX IL 1/XX/2021 11/XX/2020 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided:
the Due Diligence Loan Designation of Non QM. Loan Estimate not delivered to Borrower(s) within three (3) business days of
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically application. Initial Loan Estimate dated 11/XX/2020 was electronically provided
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to without or prior to borrower's consent to receive electronic disclosures.
Borrower(s) within three (3) business days of application. Initial Loan Estimate Failure to comply with the provisions of the E-Sign Act and failure to provide
dated 11/XX/2020 was electronically provided without or prior to borrower's good faith estimate of fees timely may result in additional fee tolerance
consent to receive electronic disclosures. Failure to comply with the provisions violations
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/11/XX/2020)
625488543 XXX XXX XXX XXX XXX $XXX MO 3/XX/2021 12/XX/2020 Primary Construction-Permanent Non QM 2 B B B B [2] Credit Documentation - Purchase contract date not provided. REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - ARM Disclosure Status Test: ARM Disclosure is missing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
compensating factors. disclosure: ARM loan program disclosure not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is missing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Days Prior to Consummation: Creditor did not provide a copy of each valuation to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided to the borrower. applicant three (3) business days prior to consummation. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower's monthly reserves have been verified and exceed the amount required
Creditor did not provide a copy of each valuation to applicant three (3) on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive based on the guidelines by at least 4 months.
business days prior to consummation. (Type:Primary/03/XX/2021) that does not match the actual total payment for the loan REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive The qualifying DTI on the loan is at least 10% less than the guideline maximum.
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided REVIEWER - CURED COMMENT (2024/XX/11): Sufficient Cure Provided At Closing
Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 The representative FICO score exceeds the guideline minimum by at least 40
Estimated Total Monthly Payment for payment stream 4 that does not match the that does not match the actual total payment for the loan points.
actual total payment for the loan. (ProjSeq:4/2645831) Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2
Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an that does not match the actual total payment for the loan.
Estimated Total Monthly Payment for payment stream 3 that does not match the Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
actual total payment for the loan. (ProjSeq:3/2645830) Payment Construction Permanent Test: Final Closing Disclosure provided on
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - that does not match the actual total payment for the loan.
Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
Estimated Total Monthly Payment for payment stream 2 that does not match the Starting In: Final Closing Disclosure provided on 03/XX/2021 with an increasing
actual total payment for the loan. (ProjSeq:2/2645829) payment disclosed the due date of the first adjustment that does not match the
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum actual due date for the loan.
Payment Construction Permanent Test: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Final Closing Disclosure provided on 03/XX/2021 with an increasing payment
Estimated Total Monthly Payment for payment stream 1 that does not match the disclosed the due date of the last payment of interest only that does not match
actual total payment for the loan. (ProjSeq:1/2645828) the actual last payment for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Overdisclosed - October 2018 Construction Permanent: Amount of Estimated
Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due Property Costs over Year 1 of XXX on Final Closing Disclosure provided on
date of the first adjustment that does not match the actual due date for the 03/XX/2021 are overdisclosed. (Final/03/XX/2021)
loan. (Final/03/XX/2021) Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Disclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure escrow payment for payment stream 1 that does not match the actual payment for
provided on 03/XX/2021 with an increasing payment disclosed the due date of the the loan
last payment of interest only that does not match the actual last payment for
the loan. (Final/03/XX/2021)
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of
XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed.
(Final/03/XX/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2645828)
625488958 XXX XXX XXX XXX XXX $XXX IL 2/XX/2021 1/XX/2021 Primary Refinance Cash-out - Other Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $ XXX, REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. however page 4 total states $ XXX annually which comes monthly $ 967.57. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
(Final/02/XX/2021) Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing disclosure page 1 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $ XXX, however page REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an 4 total states $ XXX annually which comes monthly $ 967.57. REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Estimated Total Monthly Payment for payment stream 4 that does not match the Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
actual total payment for the loan. (ProjSeq:4/2647183) Payment Adjustable Rate Subsequent Payments: Final Closing disclosure page 1 REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $ XXX, however page
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - 4 total states $ XXX annually which comes monthly $ 967.57.
Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
Estimated Total Monthly Payment for payment stream 3 that does not match the Loan term is of 30 years, Note document shows 360 months which include 1 year of
actual total payment for the loan. (ProjSeq:3/2647182) Interest only period due to Construction Permanent.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Adjustable Rate Subsequent Payments: Final Closing Disclosure dated 02/XX/2021
provided on 02/XX/2021 with an increasing payment disclosed the due date of the Principal & Interest for Payment Stream 3 is not matching due to Subject
last payment of interest only that does not match the actual last payment for Transaction is 1 year Interest only due to Construction Permanent.
the loan. (Final/02/XX/2021) Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Finance
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX.
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists
periodic principal and interest payment for payment stream 3 that does not match escrows as $XXX +$XXX total $ XXX, however page 4 total states $ XXX annually
the actual payment for the loan. (ProjSeq:3/2647182) which comes monthly $ 967.57.
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists
provided on 02/XX/2021 disclosed an inaccurate Total of Payments on page 5 that escrows as $XXX +$XXX total $ XXX, however page 4 total states $ XXX annually
does not match the actual total of payments for the loan (fee amounts included which comes monthly $ 967.57.
in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists
compared to the calculated total of payments of $XXX which exceeds the $XXX escrows as $XXX +$XXX total $ XXX, however page 4 total states $ XXX annually
threshold. (Final/02/XX/2021) which comes monthly $ 967.57.
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Disclosed Test: Final Closing disclosure page 1 escrows as $XXX and page 2 lists
Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for escrows as $XXX +$XXX total $ XXX, however page 4 total states $ XXX annually
payment stream 4 that does not match the actual payment for the loan. which comes monthly $ 967.57.
(ProjSeq:4/2647183)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2647182)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2647181)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2647180)
625489230 XXX XXX XXX XXX XXX $XXX MO 3/XX/2021 1/XX/2021 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Year 1 Over disclosed due to inclusion of mortgage insurance. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
(Final/03/XX/2021) Charge disclosed is $XXX. Calculated finance charge is $XXX . Variance of $XXX . REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: Required Letter of Explanation, Proof of Delivery, Refund check for under REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure disclosed amount, Corrected CD. REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing Borrower's monthly reserves have been verified and exceed the amount required
provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing based on the guidelines by at least 4 months.
does not match the actual Finance Charge for the loan. The disclosed Finance Overdisclosed - October 2018 Construction Permanent: Non Escrowed Property Costs REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing
Charge in the amount of $XXX is under disclosed by $XXX compared to the over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are over REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing Borrowers made a down payment from their own funds on this purchase transaction
calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts disclosed. of at least 5% and $XXX.
included in Finance Charge calculation are based on Closing Disclosure dated Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
03/XX/2021). (Final/03/XX/2021) Final Closing Disclosure provided on 03/XX/2021 with an increasing payment The qualifying DTI on the loan is at least 10% less than the guideline maximum.
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 disclosed the due date of the last payment of interest only that does not match
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated the actual last payment for the loan The representative FICO score exceeds the guideline minimum by at least 40
Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The points.
Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
(Final/03/XX/2021) compared to the calculated total of payments of $XXX which exceeds the $XXX
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only threshold.
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
provided on 03/XX/2021 with an increasing payment disclosed the due date of the Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021
last payment of interest only that does not match the actual last payment for disclosed an escrow payment for payment stream 4 that does not match the actual
the loan. (Final/03/XX/2021) payment for the loan
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021
provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that disclosed an escrow payment for payment stream 3 that does not match the actual
does not match the actual total of payments for the loan (fee amounts included payment for the loan
in TOP calculation are based on Closing Disclosure dated 03/XX/2021). The Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021
compared to the calculated total of payments of $XXX which exceeds the $XXX disclosed an escrow payment for payment stream 2 that does not match the actual
threshold. (Final/03/XX/2021) payment for the loan
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Disclosed Test: Projected Payments: Final Closing Disclosure provided on
Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match
payment stream 4 that does not match the actual payment for the loan. the actual payment for the loan.
(ProjSeq:4/2646855)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2646854)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2646853)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2646852)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625489472 XXX XXX XXX XXX XXX $XXX MO 6/XX/2021 3/XX/2021 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: No evidence that borrower received a copy of REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Creditor did not provide a copy of each valuation to applicant three (3) appraisal 3 business days to closing. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
business days prior to consummation. (Type:Primary/06/XX/2021) Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Act: Notice of Right to Cancel was not provided. over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs overdisclosed. REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Final Closing Disclosure provided on 06/XX/2021 with an increasing payment REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. disclosed the due date of the last payment of interest only that does not match
(Final/06/XX/2021) the actual last payment for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosed
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Finance Charges are $XXX. Due Diligence Finance Charges are $XXX. There is a
provided on 06/XX/2021 with an increasing payment disclosed the due date of the variance of $XXX.
last payment of interest only that does not match the actual last payment for
the loan. (Final/06/XX/2021)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/06/XX/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 4 that does not match the actual payment for the loan.
(ProjSeq:4/2647048)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2647047)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2647046)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2647045)
625487914 XXX XXX XXX XXX XXX $XXX IL 5/XX/2021 4/XX/2021 Primary Purchase Non QM 2 B B A A 2 B B A A [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request
provided did not match. However, the updated Loan Designation of Non QM matches
the Due Diligence Loan Designation of Non QM.
625489294 XXX XXX XXX XXX XXX $XXX MO 6/XX/2021 4/XX/2021 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA 1 Overdisclosed - October 2018 Construction Permanent: Mortgage insurance is not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of consider in initial escrow disclosure. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
(Final/06/XX/2021) Payment stream one includes only Interest payment.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
provided on 06/XX/2021 with an increasing payment disclosed the due date of the compared to the calculated total of payments of $XXX which exceeds the $XXX
last payment of interest only that does not match the actual last payment for threshold.
the loan. (Final/06/XX/2021) Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosed Test: Payment stream one includes only Interest payment.
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/06/XX/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2647062)
625488659 XXX XXX XXX XXX XXX $XXX IL 1/XX/2022 4/XX/2021 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: SELLER - GENERAL COMMENT (2024/XX/30): Per Exception Information , construction GENERAL COMMENT (2024/XX/30): Per Exception Information , construction loan -
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure CD disclosed 12 months of interest only payments. loan product with first year being interest only. Remaining yearts contain product with first year being interest only. Remaining yearts contain interest.
provided on 01/XX/2022 with an increasing payment disclosed the due date of the Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient interest. Projected payments indicates first year as interest only and remaining Projected payments indicates first year as interest only and remaining years
last payment of interest only that does not match the actual last payment for Cure Provided: Appraisal Fee was last disclosed as $XXX on LE but disclosed as years with interest included, Monthly Principal & Interest indicates only with interest included, Monthly Principal & Interest indicates only interest
the loan. (Final/01/XX/2022) $XXX on Final Closing Disclosure. File does not contain a valid COC for this interest through month 12 as does AP table. through month 12 as does AP table.
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 fee, cure provided at closing. REVIEWER - GENERAL COMMENT (2024/XX/31): Final CD reflects page 1 Loan Terms -
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated monthly principal & interest that "Includes only interest and no principal until GENERAL COMMENT (2025/XX/16): As per CFPB guide.
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of mo. 12", however, the promissory note and const loan allonge reflect that the (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l
XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. interest only period is for full 12 months and would be "until" mo 13". oan-guide.pdf) "For a combined disclosure the timing of the end of the
(Final/01/XX/2022) Corrected CD and LOE to borrower. interest-only period is the due date of the last interest-only periodic payment
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without SELLER - GENERAL COMMENT (2025/XX/16): As per CFPB guide. the consumer will make before switching to principal and interest payments." Due
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l date of 12th month and final interest only payment is the 12th month
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of oan-guide.pdf) "For a combined disclosure the timing of the end of the
$XXX. Insufficient or no cure was provided to the borrower. (7506) interest-only period is the due date of the last interest-only periodic payment
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment the consumer will make before switching to principal and interest payments." Due
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: date of 12th month and final interest only payment is the 12th month
Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until
payment stream 1 that does not match the actual payment for the loan. period. However, Terms of the loan provide for a 12 month interest only period
(ProjSeq:1/2647057) during construction phase which means the due date of the first principal and
interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii)
The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed
as the year in which the event occurs, counting from the due date of the initial
periodic payment. Also see page 23 of the combined construction loan guide
(https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l
oan-guide.pdf) provided in the rebuttal. This page provides guidance and an
example for compliant disclosure for interest only period bullet. The example
provided is a 10 month interest only construction loan and on the second row of
the table the corresponding compliant disclosure is “Includes only interest and
no principal until mo. 11”. Note that the example does not list only interest
until month 10 on a 10 month construction loan. It discloses the 11th month, the
month the event (change to principal and interest) occurs as the period required
to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - CURED COMMENT (2024/XX/16): Sufficient Cure Provided At Closing
625488266 XXX XXX XXX XXX XXX $XXX IL 7/XX/2021 5/XX/2021 Primary Refinance Rate/Term Safe Harbor QM (43-Q) 2 B B B B 2 B B B B [2] Federal Compliance - QM Employment History - Current and/or Previous Federal Compliance - QM Employment History - Current and/or Previous Employment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Documentation lacks Date Info: Missing Employment Dates to verify two years REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Missing Employment Dates to verify two years employment history for current employment history for current and/or prior employment. REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing
and/or prior employment. (XXX/14557195) Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing
Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not 07/XX/2021 disclosed the Monthly Escrow Payment that does not match the actual REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing
executed on the proper Model Form for a refinance by a creditor that is not escrow payment for the loan. REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing
considered the original creditor. The H-9 form was used, the H-8 form should Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure
have been used. Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX
[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was
Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - provided to the borrower at Closing.
Loan Disclosures: Final Closing Disclosure provided on 07/XX/2021 disclosed the Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
Monthly Escrow Payment that does not match the actual escrow payment for the Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Policy
loan. (Final/07/XX/2021) Guarantee Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient excess cure was provided to the borrower at Closing.
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Owners
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) Coverage Premium (Optional). Fee Amount of $XXX exceeds tolerance of $XXX.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Sufficient or excess cure was provided to the borrower at Closing.
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure
Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $XXX exceeds Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Electronic
tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Document Delivery Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient
Closing. (75229) or excess cure was provided to the borrower at Closing.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Title - Owners Coverage Premium (Optional). Fee Amount of
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the
borrower at Closing. (75192)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the
borrower at Closing. (75188)
625488916 XXX XXX XXX XXX XXX $XXX IL 8/XX/2021 5/XX/2021 Primary Construction-Permanent Non QM 2 B B B B [2] Credit Documentation - Purchase contract date not provided. Purchase contract date was not provided. REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
factors. Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Payment: Adjustable Payment Table: Final Closing Disclosure provided on REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Qualification Method used by the lender does not match the ATR payment 08/XX/2021 incorrectly disclosed whether the loan contains Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
calculation methods under 1026.43(c)(5). Payments. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Closing Disclosure provided on 08/XX/2021 incorrectly disclosed whether the loan disclosed a Maximum Payment amount and period that does not match the actual REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower's monthly reserves have been verified and exceed the amount required
contains Interest Only Payments. (Final/08/XX/2021) terms for the loan. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive based on the guidelines by at least 4 months.
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive The representative FICO score exceeds the guideline minimum by at least 40
Disclosure provided on 08/XX/2021 disclosed a Maximum Payment amount and period Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive points.
that does not match the actual terms for the loan. (Final/08/XX/2021) on 08/XX/2021 are overdisclosed. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing
XXX on Final Closing Disclosure provided on 08/XX/2021 are overdisclosed. stream 4 that does not match the actual total payment for the loan.
(Final/08/XX/2021) Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided
Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment
Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total stream 3 that does not match the actual total payment for the loan.
Monthly Payment (Maximum) for payment stream 4 that does not match the actual Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
total payment for the loan. (ProjSeq:4/2655342) Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment
Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: for payment stream 4 that does not match the actual total payment for the loan.
Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Monthly Payment (Maximum) for payment stream 3 that does not match the actual Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing
total payment for the loan. (ProjSeq:3/2655341) Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum for payment stream 3 that does not match the actual total payment for the loan.
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing
Estimated Total Monthly Payment for payment stream 4 that does not match the Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment
actual total payment for the loan. (ProjSeq:4/2655342) for payment stream 2 that does not match the actual total payment for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Payment Construction Permanent Test: Projected Payments: Final Closing
Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment
Estimated Total Monthly Payment for payment stream 3 that does not match the for payment stream 1 that does not match the actual total payment for the loan.
actual total payment for the loan. (ProjSeq:3/2655341) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Loan Terms: Final Closing Disclosure provided on 08/XX/2021 with an increasing
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - payment disclosed the due date of the last payment of interest only that does
Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an not match the actual last payment for the loan.
Estimated Total Monthly Payment for payment stream 2 that does not match the Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The
actual total payment for the loan. (ProjSeq:2/2655340) disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum compared to the calculated total of payments of $XXX which exceeds the $XXX
Payment Construction Permanent Test: TILA-RESPA Integrated Disclosure - threshold.
Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient
Estimated Total Monthly Payment for payment stream 1 that does not match the Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final
actual total payment for the loan. (ProjSeq:1/2655339) Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only provided to the borrower.
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
provided on 08/XX/2021 with an increasing payment disclosed the due date of the Cure Provided: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of
last payment of interest only that does not match the actual last payment for Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was
the loan. (Final/08/XX/2021) provided to the borrower.
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Disclosed Test: Projected Payments: Final Closing Disclosure provided on
provided on 08/XX/2021 disclosed an inaccurate Total of Payments on page 5 that 08/XX/2021 disclosed an escrow payment for payment stream 1 that does not match
does not match the actual total of payments for the loan (fee amounts included the actual payment for the loan.
in TOP calculation are based on Closing Disclosure dated 09/XX/2021). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/08/XX/2021)
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.
(7580)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2655339)
625488297 XXX XXX XXX XXX XXX $XXX MO 7/XX/2021 6/XX/2021 Primary Purchase Safe Harbor QM (43-Q) 1 A A A A 1 A A A A -
625488282 XXX XXX XXX XXX XXX $XXX IL 12/XX/2021 6/XX/2021 Primary Construction-Permanent Non QM 2 B B B B [2] Credit Documentation - Purchase contract date not provided. REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Note REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
factors. TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing reflects UST 1 year weekly. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 12/XX/2021 did not disclose an accurate Index as Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
reflected on the Note. (Final/XX/20/2021) Updated as per document REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower's monthly reserves have been verified and exceed the amount required
Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Updated as per document REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing based on the guidelines by at least 4 months.
provided on 12/XX/2021 with an increasing payment did not disclose the frequency Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TOP
of adjustments. (Final/XX/20/2021) disclosed was $XXX. The representative FICO score exceeds the guideline minimum by at least 40
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only points.
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure
provided on 12/XX/2021 with an increasing payment disclosed the due date of the
last payment of interest only that does not match the actual last payment for
the loan. (Final/XX/20/2021)
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of
XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed.
(Final/XX/20/2021)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/XX/20/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 12/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2655294)
625487964 XXX XXX XXX XXX XXX $XXX IL 8/XX/2021 6/XX/2021 Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 A A A A 1 A A A A -
625488298 XXX XXX XXX XXX XXX $XXX MN 8/XX/2021 7/XX/2021 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Evidence of earlier receipt not found.
Borrower(s) within three (3) business days of application. Initial Loan Estimate
dated 07/XX/2021 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/07/XX/2021)
625488992 XXX XXX XXX XXX XXX $XXX IL 8/XX/2021 6/XX/2021 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
the Due Diligence Loan Designation of Non QM. Days Prior to Consummation: The file is missing proof of receipt of the updated REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 appraisal with a report date of 07/XX/2021. The appraisal is required to be
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): received no less than three business days prior to closing.
Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business
business days prior to consummation. (Type:Primary/07/XX/2021) Days Prior to Consummation: The file is missing proof of receipt of the updated
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 appraisal with a report date of 07/XX/2021. The appraisal is required to be
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): received no less than three business days prior to closing.
Creditor did not provide a copy of each valuation to applicant three (3) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
business days prior to consummation. (Client:17861/07/XX/2021) Cure Provided: Certification Fee was last disclosed as $XXX on Loan Estimate but
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without disclosed as $XXX on Final Closing Disclosure dated 08/XX/2021. File does not
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee contain a valid COC for this fee, nor evidence of cure in file.
Tolerance exceeded for Certification Fee. Fee Amount of $XXX exceeds tolerance
of $XXX. Insufficient or no cure was provided to the borrower. (7772)
625489305 XXX XXX XXX XXX XXX $XXX IL 9/XX/2021 7/XX/2021 Primary Purchase Safe Harbor QM (APOR) 1 A A A A 1 A A A A [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient REVIEWER - CURED COMMENT (2024/XX/26): Sufficient Cure Provided At Closing -
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625488326 XXX XXX XXX XXX XXX $XXX MI 2/XX/2022 12/XX/2021 Second Home Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Interest Rate Table: Final Closing Disclosure provided on 02/XX/2022 did not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 02/XX/2022 did not disclose an accurate Index as disclose an accurate Index as reflected on the Note. (Final/02/XX/2022) REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
reflected on the Note. (Final/02/XX/2022) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Final Closing Disclosure provided on 02/XX/2022 with an increasing payment REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing Borrower's monthly reserves have been verified and exceed the amount required
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure disclosed the due date of the last payment of interest only that does not match based on the guidelines by at least 4 months.
provided on 02/XX/2022 with an increasing payment disclosed the due date of the the actual last payment for the loan. (Final/02/XX/2022)
last payment of interest only that does not match the actual last payment for Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 The qualifying DTI on the loan is at least 10% less than the guideline maximum.
the loan. (Final/02/XX/2022) Overdisclosed - October 2018 Construction Permanent: Amount of Estimated
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Property Costs over Year 1 of XXX on Final Closing Disclosure provided on The representative FICO score exceeds the guideline minimum by at least 40
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated 02/XX/2022 are overdisclosed. (Final/02/XX/2022) points.
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided:
XXX on Final Closing Disclosure provided on 02/XX/2022 are overdisclosed. E-sign disclosure is provided on 01/XX/2022.
(Final/02/XX/2022) Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Disclosed Test: Final Closing Disclosure provided on 02/XX/2022 disclosed an
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to escrow payment for payment stream 1 that does not match the actual payment for
Borrower(s) within three (3) business days of application. Initial Loan Estimate the loan. (ProjSeq:1/2654114)
dated 12/XX/2021 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/12/XX/2021)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 02/XX/2022 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2654114)
625488849 XXX XXX XXX XXX XXX $XXX IL 8/XX/2022 3/XX/2022 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: SELLER - GENERAL COMMENT (2025/XX/02): Construction loan product with first year GENERAL COMMENT (2025/XX/02): Construction loan product with first year being -
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Final Closing Disclosure provided on 08/XX/2022 with an increasing payment being interest only. Remaining yearts contain interest. Projected payments interest only. Remaining yearts contain interest. Projected payments indicates
provided on 08/XX/2022 with an increasing payment disclosed the due date of the disclosed the due date of the last payment of interest only that does not match indicates first year as interest only and remaining years with interest first year as interest only and remaining years with interest included, Monthly
last payment of interest only that does not match the actual last payment for the actual last payment for the loan. included, Monthly Principal & Interest indicates only interest through month 12 Principal & Interest indicates only interest through month 12 as does AP table.
the loan. (Final/08/XX/2022) Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In as does AP table.
[2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included Escrow: Final Closing disclosure Page1 indicates Flood insurance in escrow.. REVIEWER - GENERAL COMMENT (2025/XX/02): SitusAMC received rebuttal that first GENERAL COMMENT (2025/XX/16): As per CFPB guide.
In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: year interest only. However, page 1 of final CD in Loan Terms - Monthly (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l
Disclosure provided on 08/XX/2022 incorrectly disclosed whether property taxes Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether Principal & Interest states that includes only interest and no principal "until" oan-guide.pdf) "For a combined disclosure the timing of the end of the
are included in escrow. (Final/08/XX/2022) the loan will have an escrow account. month 12. As this is 12 month interest only, the only interest would be included interest-only period is the due date of the last interest-only periodic payment
[2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: "until" month 13. 13th month starts principal & interest payment. Corrected CD the consumer will make before switching to principal and interest payments." Due
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether and LOE to borrower to cure. date of 12th and final interest only payment is the 12th month
provided on 08/XX/2022 incorrectly disclosed whether the loan will have an the loan will have an escrow account. SELLER - GENERAL COMMENT (2025/XX/16): As per CFPB guide.
escrow account. (Final/08/XX/2022) Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Cure Provided: Lender Credits Fee was last disclosed as -$XXX on Loan Estimate oan-guide.pdf) "For a combined disclosure the timing of the end of the
Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid interest-only period is the due date of the last interest-only periodic payment
Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will Change of circumstance for this fee, nor evidence of cure in file. the consumer will make before switching to principal and interest payments." Due
have an escrow account. (Final/08/XX/2022) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient date of 12th and final interest only payment is the 12th month
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Cure Provided: Tax service Fee was last disclosed as $XXX on Loan Estimate but REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee disclosed as $XXX on Final Closing Disclosure. File does not contain a valid period. However, Terms of the loan provide for a 12 month interest only period
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds Change of circumstance for this fee, nor evidence of cure in file. during construction phase which means the due date of the first principal and
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee as the year in which the event occurs, counting from the due date of the initial
Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX periodic payment. Also see page 23 of the combined construction loan guide
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-l
(7580) oan-guide.pdf) provided in the rebuttal. This page provides guidance and an
example for compliant disclosure for interest only period bullet. The example
provided is a 10 month interest only construction loan and on the second row of
the table the corresponding compliant disclosure is “Includes only interest and
no principal until mo. 11”. Note that the example does not list only interest
until month 10 on a 10 month construction loan. It discloses the 11th month, the
month the event (change to principal and interest) occurs as the period required
to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
625488980 XXX XXX XXX XXX XXX $XXX IL 9/XX/2022 3/XX/2022 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Test: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period Changes period that does not match the actual terms for the loan. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
that does not match the actual terms for the loan. (Final/09/XX/2022) Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are over REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of disclosed. REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing
XXX on Final Closing Disclosure provided on 09/XX/2022 are overdisclosed. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
(Final/09/XX/2022) Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - that does not match the actual total payment for the loan.
Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment:
Estimated Total Monthly Payment for payment stream 3 that does not match the Final Closing Disclosure provided on 09/XX/2022 disclosed a mortgage insurance
actual total payment for the loan. (ProjSeq:3/2654433) payment for payment stream 4 that does not match the actual payment for the
[2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance loan.
Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
Disclosure provided on 09/XX/2022 disclosed a mortgage insurance payment for Starting In: Final Closing Disclosure provided on 09/XX/2022 with an increasing
payment stream 4 that does not match the actual payment for the loan. payment disclosed the due date of the first adjustment that does not match the
(ProjSeq:4/2654434) actual due date for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Final Closing Disclosure provided on 09/XX/2022 with an increasing payment
Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due disclosed the due date of the last payment of interest only that does not match
date of the first adjustment that does not match the actual due date for the the actual last payment for the loan.
loan. (Final/09/XX/2022) Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Disclosed Test: Final Closing Disclosure provided on 09/XX/2022 disclosed an
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure escrow payment for payment stream 1 that does not match the actual payment for
provided on 09/XX/2022 with an increasing payment disclosed the due date of the the loan.
last payment of interest only that does not match the actual last payment for
the loan. (Final/09/XX/2022)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 09/XX/2022 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2654431)
625488240 XXX XXX XXX XXX XXX $XXX MN 5/XX/2022 4/XX/2022 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Final Closing Disclosure provided on 05/XX/2022 with an increasing payment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided on 05/XX/2022 with an increasing payment disclosed the due date of the disclosed the due date of the last payment of interest only that does not match REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing
last payment of interest only that does not match the actual last payment for the actual last payment for the loan
the loan. (Final/XX/20/2022) Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Property Costs over Year 1 of XXX on Final Closing Disclosure provided
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
XXX on Final Closing Disclosure provided on 05/XX/2022 are overdisclosed. Disclosed Test: Final Closing Disclosure provided on 05/XX/2022 disclosed an
(Final/XX/20/2022) escrow payment for payment stream 1 that does not match the actual payment for
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment the loan.
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 05/XX/2022 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2654348)
625488306 XXX XXX XXX XXX XXX $XXX IL 10/XX/2022 8/XX/2022 Primary Purchase Safe Harbor QM (APOR) 2 B B B B 2 B B B B [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue Date REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on Not Provided REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
determine Final Closing disclosure to use to test for compliance with applicable Transactions Test: Corrected Closing Disclosure provided on or after 10/XX/2022
TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures contains a change in APR and was not received by borrower at least three (3)
at or before consummation due to missing Issue Date. Tested using an estimated business days prior to consummation
Date Issued based on best information available. (Interim/10/XX/2022)
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing
Disclosure provided on or after 10/XX/2022 contains a change in APR and was not
received by borrower at least three (3) business days prior to consummation
625489656 XXX XXX XXX XXX XXX $XXX MO 10/XX/2022 9/XX/2022 Primary Construction-Permanent Non QM 2 B B B B [2] Application / Processing - Missing Document: Purchase Agreement / Sales The purchase agreement is missing in the file. REVIEWER - WAIVED COMMENT (2025/XX/06): Comp factors used to waive exception 2 B B B B [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Contract not provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively Date Issued. Incomplete Closing disclosure in the file, provide attestation that REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
determine Final Closing disclosure to use to test for compliance with applicable this CD was not issued to the borrower REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
at or before consummation due to missing Issue Date. Tested using an estimated Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Date Issued based on best information available. (Initial/10/XX/2022) Date Issued. Incomplete Closing disclosure in the file, provide attestation that REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower's monthly reserves have been verified and exceed the amount required
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: this CD was not issued to the borrower REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive based on the guidelines by at least 4 months.
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on Document Error - TRID Closing Disclosure: "Product" in Loan Details section is REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively blank.: Incomplete Closing disclosure in the file, provide attestation that this REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive The representative FICO score exceeds the guideline minimum by at least 40
determine Final Closing disclosure to use to test for compliance with applicable CD was not issued to the borrower REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive points.
TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
at or before consummation due to missing Issue Date. Tested using an estimated Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Date Issued based on best information available. (Interim/10/XX/2022) reflected on the Note.
[2] Document Error - TRID Closing Disclosure: "Product" in Loan Details section Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes
is blank.: Date Issued: 10/XX/2022, Date Issued: 10/XX/2022 Test: Final Closing Disclosure provided on 10/XX/2022 did not disclose an
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: accurate Index as reflected on the Note.
TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year
Disclosure provided on 10/XX/2022 did not disclose an accurate Index as 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures:
reflected on the Note. (Final/10/XX/2022) Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent on 10/XX/2022 are overdisclosed.
Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Closing Disclosure provided on 10/XX/2022 disclosed a Subsequent Changes period Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided
that does not match the actual terms for the loan. (Final/10/XX/2022) on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs that does not match the actual total payment for the loan.
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided
XXX on Final Closing Disclosure provided on 10/XX/2022 are overdisclosed. on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3
(Final/10/XX/2022) that does not match the actual total payment for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment:
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance
Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an payment for payment stream 4 that does not match the actual payment for the
Estimated Total Monthly Payment for payment stream 4 that does not match the loan.
actual total payment for the loan. (ProjSeq:4/2654731) Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment:
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - payment for payment stream 3 that does not match the actual payment for the
Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an loan.
Estimated Total Monthly Payment for payment stream 3 that does not match the Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
actual total payment for the loan. (ProjSeq:3/2654730) Starting In: Final Closing Disclosure provided on 10/XX/2022 with an increasing
[2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance payment disclosed the due date of the first adjustment that does not match the
Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing actual due date for the loan.
Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
payment stream 4 that does not match the actual payment for the loan. Final Closing Disclosure provided on 10/XX/2022 with an increasing payment
(ProjSeq:4/2654731) disclosed the due date of the last payment of interest only that does not match
[2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance the actual last payment for the loan.
Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year:
Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for Final Closing Disclosure provided on 10/XX/2022 with an increasing payment
payment stream 3 that does not match the actual payment for the loan. disclosed the earliest date of the maximum possible amount of principal and
(ProjSeq:3/2654730) interest that does not match the actual earliest date for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing
Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due
date of the first adjustment that does not match the actual due date for the
loan. (Final/10/XX/2022)
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure
provided on 10/XX/2022 with an increasing payment disclosed the due date of the
last payment of interest only that does not match the actual last payment for
the loan. (Final/10/XX/2022)
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In
Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure
provided on 10/XX/2022 with an increasing payment disclosed the earliest date of
the maximum possible amount of principal and interest that does not match the
actual earliest date for the loan. (Final/10/XX/2022)
625489228 XXX XXX XXX XXX XXX $XXX MO 10/XX/2022 9/XX/2022 Primary Refinance Cash-out - Other Safe Harbor QM (43-Q) 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total REVIEWER - WAIVED COMMENT (2025/XX/06): Comp factors used to waive exception. 1 A A A A [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided within 60 Days Borrower has been employed in the same industry for more than 5 years. -
cash-out discrepancy.: HUD-1 total cash-out of $XXX is greater than Guideline Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee of Closing
total cash-out of $XXX. Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided within 60 Days Borrower has owned the subject property for at least 5 years.
$XXX. Sufficient or excess cure was provided to the borrower. (0) of Closing
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Borrower has verified disposable income of at least $XXX.
Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance Borrower has worked in the same position for more than 3 years.
of $XXX. Sufficient or excess cure was provided to the borrower. (7520)
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625488853 XXX XXX XXX XXX XXX $XXX MN 10/XX/2022 9/XX/2022 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
the Due Diligence Loan Designation of Non QM. Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 payment for payment stream 4 that does not match the actual payment for the
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): loan.
Creditor did not provide a copy of each valuation to applicant three (3)
business days prior to consummation. (Type:Primary/09/XX/2022)
[2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance
Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing
Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for
payment stream 4 that does not match the actual payment for the loan.
(ProjSeq:4/2659333)
625489685 XXX XXX XXX XXX XXX $XXX MO 11/XX/2022 10/XX/2022 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of page 1 lists escrows as $XXX+$ XXX total $XXX, however page 4 total states $XXX REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
XXX on Final Closing Disclosure provided on 11/XX/2022 are overdisclosed. annually which comes monthly $XXX. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
(Final/11/XX/2022) Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4
Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an that does not match the actual total payment for the loan due Subject
Estimated Total Monthly Payment for payment stream 4 that does not match the Transaction is 1 year Interest only due to Construction Permanent.
actual total payment for the loan. (ProjSeq:4/2654963) Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3
Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an that does not match the actual total payment for the loan due Subject
Estimated Total Monthly Payment for payment stream 3 that does not match the Transaction is 1 year Interest only due to Construction Permanent.
actual total payment for the loan. (ProjSeq:3/2654962) Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan term is of 30 years, Note document shows 360 months which
Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing include 1 year of Interest only period due to Construction Permanent.
Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
date of the first adjustment that does not match the actual due date for the Loan term is of 30 years, Note document shows 360 months which include 1 year of
loan. (Final/11/XX/2022) Interest only period due to Construction Permanent.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of
provided on 11/XX/2022 with an increasing payment disclosed the due date of the Payments on page 5 that does not match the actual total of payments for the
last payment of interest only that does not match the actual last payment for loan.
the loan. (Final/11/XX/2022)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 11/XX/2022). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/11/XX/2022)
625488544 XXX XXX XXX XXX XXX $XXX MO 5/XX/2023 4/XX/2023 Primary Construction-Permanent Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Interest Rate Table Final Closing Disclosure provided on 05/XX/2023 did not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 05/XX/2023 did not disclose an accurate Index as disclose an accurate Index as reflected on the Note REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
reflected on the Note. (Final/05/XX/2023) Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Adjustable Payment Table: Final Closing Disclosure provided on REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final 05/XX/2023 incorrectly disclosed whether the loan contains Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Closing Disclosure provided on 05/XX/2023 incorrectly disclosed whether the loan Payments. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
contains Interest Only Payments. (Final/05/XX/2023) Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final closing disclosure disclosed payment stream 4 Estimated Total Monthly REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing payment Maximum at $XXX. However payment is calculating at $XXX REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 05/XX/2023 disclosed a Maximum Payment amount and period Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
that does not match the actual terms for the loan. (Final/05/XX/2023) 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs over Year 1 of $XXX is over disclosed. Monthly Taxes ($XXX) and Insurance ($XXX) REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA totaling $XXX.
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum
XXX on Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. Payment Adjustable Rate: Final closing disclosure disclosed payment stream 4
(Final/05/XX/2023) Estimated Total Monthly payment at $XXX. However payment is calculating at $XXX.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum
Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Payment Adjustable Rate: Final closing disclosure disclosed payment stream 3
Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Estimated Total Monthly payment Maximum at $XXX. However payment is calculating
Monthly Payment (Maximum) for payment stream 4 that does not match the actual at $XXX.
total payment for the loan. (ProjSeq:4/2658120) Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate Subsequent Payments: Final closing disclosure disclosed
Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: payment stream 2 Estimated Total Monthly payment at $XXX. However payment is
Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total calculating at XXX.
Monthly Payment (Maximum) for payment stream 3 that does not match the actual Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
total payment for the loan. (ProjSeq:3/2658119) Payment Adjustable Rate Subsequent Payments: Final closing disclosure disclosed
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum payment stream 3 Estimated Total Monthly payment at $XXX. However payment is
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - calculating at $XXX.
Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1
Estimated Total Monthly Payment for payment stream 4 that does not match the Overdisclosed - October 2018 Construction Permanent: Based on appraisal provided
actual total payment for the loan. (ProjSeq:4/2658120) HOA dues are $XXX per year $XXX monthly.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Starting In: First payment adjustment does not match the due date for the loan.
Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
Estimated Total Monthly Payment for payment stream 3 that does not match the Data updated as per Final Closing Disclosure provided on 05/XX/2023
actual total payment for the loan. (ProjSeq:3/2658119) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Provided At Closing: Recording Fee was last disclosed as $XXX on LE but
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC
Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on for this fee, nor evidence of cure in file. Provide a post-close CD disclosing
Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. the tolerance cure to include $XXX, a copy of refund check, proof of delivery,
(Final/05/XX/2023) and a copy of the letter of explanation sent to the borrower disclosing the
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every changes made.
Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing
Disclosure provided on 05/XX/2023 with an increasing payment disclosed the due
date of the first adjustment that does not match the actual due date for the
loan. (Final/05/XX/2023)
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure
provided on 05/XX/2023 with an increasing payment disclosed the due date of the
last payment of interest only that does not match the actual last payment for
the loan. (Final/05/XX/2023)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 05/XX/2023 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2658117)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or
$XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
625489403 XXX XXX XXX XXX XXX $XXX MO 9/XX/2023 8/XX/2023 Primary Construction-Permanent Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Frequency: The CD indicates that the 1st year of payments are interest only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Table: Final Closing Disclosure provided on 09/XX/2023 disclosed a Subsequent during the construction period. The note does not reflect the interest only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Changes frequency that does not match the actual subsequent change frequency for payments. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
the loan. (Final/09/XX/2023) Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: The REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: CD indicates that the 1st year of payments are interest only during the REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing construction period. The note does not reflect the interest only payments. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 09/XX/2023 disclosed a Maximum Payment amount and period Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
that does not match the actual terms for the loan. (Final/09/XX/2023) 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA on 09/XX/2023 are over disclosed.
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1
XXX on Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. Overdisclosed - October 2018 Construction Permanent: Non Escrowed Property Costs
(Final/09/XX/2023) over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are over
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 disclosed.
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on The CD indicates that the 1st year of payments are interest only during the
Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. construction period. The note does not reflect the interest only payments.
(Final/09/XX/2023) Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: The CD
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only indicates that the 1st year of payments are interest only during the
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure construction period. The note does not reflect the interest only payments.
provided on 09/XX/2023 with an increasing payment disclosed the due date of the Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year:
last payment of interest only that does not match the actual last payment for The CD indicates that the 1st year of payments are interest only during the
the loan. (Final/09/XX/2023) construction period. The note does not reflect the interest only payments.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided Adjustable Rate Subsequent Payments: The CD indicates that the 1st year of
on 09/XX/2023 with an increasing payment disclosed the maximum possible amount payments are interest only during the construction period. The note does not
of principal and interest that does not match the actual maximum amount for the reflect the interest only payments.
loan. (Final/09/XX/2023) Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Adjustable Rate Subsequent Payments: The CD indicates that the 1st year of
Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure payments are interest only during the construction period. The note does not
provided on 09/XX/2023 with an increasing payment disclosed the earliest date of reflect the interest only payments.
the maximum possible amount of principal and interest that does not match the
actual earliest date for the loan. (Final/09/XX/2023)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a
periodic principal and interest payment for payment stream 4 that does not match
the actual payment for the loan. (ProjSeq:4/2655214)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a
periodic principal and interest payment for payment stream 3 that does not match
the actual payment for the loan. (ProjSeq:3/2655213)
625489304 XXX XXX XXX XXX XXX $XXX MA 12/XX/2016 10/XX/2016 Investment Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: Verification of appraisal was delivered to borrower
Creditor did not provide a copy of each valuation to applicant three (3) not provided in file.
business days prior to consummation. (Client:18451/11/XX/2016)
625489705 XXX XXX XXX XXX XXX $XXX MA 3/XX/2017 1/XX/2017 Investment Purchase 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factor.
[2] Income Documentation - REO Documents are missing.: Address: Costa Rica, REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has verified disposable income of at least $XXX.
Insurance Verification, Statement, Tax Verification factor .
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
625488429 XXX XXX XXX XXX XXX $XXX RI 5/XX/2017 4/XX/2017 Investment Purchase 1 A A A A [2] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2016), K-1 The 1065 (2016), K-1 (2016), and year-to-date P&L Statement were not received REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
(2016), P&L Statement for XXX. Also, missing a year-to-date P&L for XXX. factors.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488395 XXX XXX XXX XXX XXX $XXX MA 1/XX/2018 12/XX/2017 Primary Refinance Cash-out - Other Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-Sign Consent Agreement is not provided. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factor. disclosure: ARM loan program disclosure not provided to the borrower. provided to the borrower. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - General Ability To Repay Provision Investor Qualification Borrower has worked in the same position for more than 3 years.
the Due Diligence Loan Designation of Non QM. Method not Matching ATR: The Qualification Method used by the lender does not
[2] Federal Compliance - General Ability To Repay Provision Investor match the ATR payment calculation methods under 1026.43(c)(5). The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Verified by at least 10%.
Qualification Method used by the lender does not match the ATR payment data updated as per provided documents.
calculation methods under 1026.43(c)(5). The Loan to Value (LTV) on the loan is less than or equal to 70%.
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/XX/2018 The Loan to Value (LTV) on the loan is less than the guideline maximum by at
not received by borrower at least four (4) business days prior to closing. least 10%.
(Interim/01/XX/2018)
The representative FICO score is above 680.
625489309 XXX XXX XXX XXX XXX $XXX MA 2/XX/2018 2/XX/2018 Investment Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor Disclosure Not Provided Timely: Right to Receive a Copy of appraisal is not
did not provide "Right to Receive a Copy" appraisal disclosure to applicant provided to applicant within three (3) business days of application.
within three (3) business days of application or determination of first lien
status.
625489491 XXX XXX XXX XXX XXX $XXX MA 12/XX/2019 9/XX/2019 Second Home Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive GENERAL COMMENT (2025/XX/08): Amex account is a charge account. (Open Account) Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factor. to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has sufficient assets to pay in full. In addition borrower is
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive authorized user Borrower has verified disposable income of at least $XXX.
the Due Diligence Loan Designation of Non QM. Reason: Loan Disclosures: Final Closing Disclosure provided on 12/XX/2019 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - incorrectly disclosed whether the loan will have an escrow account. Borrower has worked in the same position for more than 3 years.
Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Disclosure provided on 12/XX/2019 incorrectly disclosed whether the loan will Cure Provided: The Recording fee was previiously disclosed to the borrower on Borrower's monthly reserves have been verified and exceed the guideline required
have an escrow account. (Final/12/XX/2019) the Loan estimate as $XXX but it increased on the closing disclosure as $XXX amount by the equivalent of 4 months PITIA or more.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient with no cure provided to the borrower. Insufficient or no cure was provided to
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance the borrowe Borrowers made a down payment from their own funds on this purchase transaction
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient of at least 5% and $XXX.
Insufficient or no cure was provided to the borrower. (0) Cure Provided: The Credit report fee was previiously disclosed to the borrower
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without on the Loan estimate as $XXX but it increased on the closing disclosure as $XXX The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee with no cure provided to the borrower. Insufficient or no cure was provided to by at least 10%.
Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance the borrowe
of $XXX. Insufficient or no cure was provided to the borrower. (7520) The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488812 XXX XXX XXX XXX XXX $XXX MA 10/XX/2020 8/XX/2020 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625489223 XXX XXX XXX XXX XXX $XXX MA 4/XX/2020 3/XX/2020 Primary Purchase Temporary SHQM (GSE/Agency Eligible) 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors. Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee
[2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or Borrower has verified disposable income of at least $XXX.
Asset Account date is more than 60 days prior to the Note date or notary date.: factors. $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) Borrower has worked in the same position for more than 3 years.
/ Account Number: XXX Note Date: 04/XX/2020; Notary Date: 04/XX/2020
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The qualifying DTI on the loan is less than or equal to 35%.
625489483 XXX XXX XXX XXX XXX $XXX MA 5/XX/2020 3/XX/2020 Investment Purchase 1 A A A A 1 A A A A -
625489068 XXX XXX XXX XXX XXX $XXX MA 5/XX/2020 3/XX/2020 Primary Refinance Cash-out - Other Non QM 2 B B B B [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Provide Mortgage statement for the property XXXXXXXXXXXXXXXXX, rental property REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - General Ability To Repay Provision Investor Qualification REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Statement is missing. factors. Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Method not Matching ATR: The Qualification Method used by the lender does not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Qualification Method used by the lender does not match the ATR payment match the ATR payment calculation methods. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has owned the subject property for at least 5 years.
calculation methods under 1026.43(c)(5). State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net
[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Benefit Worksheet Not in File: Tangible Net Benefit Worksheet is missing in the Borrower has worked in the same position for more than 3 years.
Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file.
file of document or worksheet indicating how the lender determined that the home Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Borrower's monthly reserves have been verified and exceed the amount required
loan is in the borrower's interest. Loan Estimate not delivered to Borrower(s) within three (3) business days of based on the guidelines by at least 4 months.
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically application. Initial Loan Estimate dated 03/XX/2020 was electronically provided
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to without or prior to borrower's consent to receive electronic disclosures.
Borrower(s) within three (3) business days of application. Initial Loan Estimate
dated 03/XX/2020 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/03/XX/2020)
625488739 XXX XXX XXX XXX XXX $XXX MA 7/XX/2020 6/XX/2020 Primary Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors. disclosure: ARM loan program disclosure not provided to the borrower within provided to the borrower within three (3) days of application. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
three (3) days of application. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
[2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts
Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of Borrower has worked in the same position for more than 3 years.
3%.
[2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Borrower's monthly mortgage payment has decreased by at least 20%.
Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan
Originator not in approved license status to conduct loan origination Borrower's monthly reserves have been verified and exceed the amount required
activities. based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489264 XXX XXX XXX XXX XXX $XXX MA 6/XX/2020 5/XX/2020 Primary Purchase Non QM 2 B B A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B A A [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX. -
Consent Agreement factors. to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM
provided did not match. However, the updated Loan Designation of Non QM matches Borrower has worked in the same position for more than 3 years.
the Due Diligence Loan Designation of Non QM.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489118 XXX XXX XXX XXX XXX $XXX MA 7/XX/2020 6/XX/2020 Primary Purchase Safe Harbor QM 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors.
Borrower has verified disposable income of at least $XXX.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489132 XXX XXX XXX XXX XXX $XXX RI 8/XX/2020 7/XX/2020 Second Home Purchase Safe Harbor QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Calculated combined loan to value percentage of XXX% exceeds Guideline combined REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement loan to value percentage of XXX% exceeds Guideline loan to value percentage of factors. Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
[2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined 75.00000%. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. tolerance of $XXX plus 10% or $XXX. Insufficient, So Please provide COC/Final CD Borrower has verified disposable income of at least $XXX.
loan to value discrepancy.: Calculated combined loan to value percentage of XXX% factors. Insufficient or no cure was provided to the borrower. (0) for changed fee amount.
exceeds Guideline loan to value percentage of 75.00000%. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating Borrower has worked in the same position for more than 3 years.
factors.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488471 XXX XXX XXX XXX XXX $XXX MA 9/XX/2020 7/XX/2020 Primary Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX. -
Consent Agreement factors. to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Borrower's monthly reserves have been verified and exceed the amount required
the Due Diligence Loan Designation of Non QM. Initial CD issued 9/XX/2020 and received by the borrower 9/XX/2020 which is less based on the guidelines by at least 4 months.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: than three business days prior to closing of 9/XX/2020.
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) Borrowers made a down payment from their own funds on this purchase transaction
at least three (3) business days prior to closing. (Initial/09/XX/2020) of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488993 XXX XXX XXX XXX XXX $XXX MA 9/XX/2020 7/XX/2020 Investment Purchase 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign FICO score of 678 is less than Guideline FICO score of 680. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors.
[2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating Borrower has verified disposable income of at least $XXX.
score discrepancy.: Representative FICO score of 678 is less than Guideline factors.
representative FICO score of 680. Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625489154 XXX XXX XXX XXX XXX $XXX MA 10/XX/2020 9/XX/2020 Primary Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - TRID Interim Closing Disclosure Timing Irregular REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX. -
Consent Agreement Verification of Rent (VOR) is missing. factors. Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Transactions Test: Corrected Closing Disclosure provided on or after 10/XX/2020 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Credit Documentation - Missing Document: Verification of Rent (VOR) / REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating Qualification Method used by the lender does not match the ATR payment contains a change in APR and was not received by borrower at least three (3) Borrowers made a down payment from their own funds on this purchase transaction
Verification of Mortgage (VOM) not provided factors. calculation methods under 1026.43(c)(5). business days prior to consummation of at least 5% and $XXX.
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
Disclosure provided on or after 10/XX/2020 contains a change in APR and was not by at least 10%.
received by borrower at least three (3) business days prior to consummation
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489400 XXX XXX XXX XXX XXX $XXX MA 10/XX/2020 8/XX/2020 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625488592 XXX XXX XXX XXX XXX $XXX MA 10/XX/2020 9/XX/2020 Investment Purchase 1 A A A A [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Missing Insurance and tax verification for REO XXX. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Insurance Verification, Tax Verification factors.
Borrower has verified disposable income of at least $XXX.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625487985 XXX XXX XXX XXX XXX $XXX MA 12/XX/2020 10/XX/2020 Investment Purchase 1 A A A A 1 A A A A -
625489688 XXX XXX XXX XXX XXX $XXX MA 7/XX/2021 6/XX/2021 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
disclosure: ARM loan program disclosure not provided to the borrower. Repay: Client restates designation to Non-QM. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - Check Restated Loan Designation Match - General Ability REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation
provided did not match. However, the updated Loan Designation of Non QM matches
the Due Diligence Loan Designation of Non QM.
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to
Borrower(s) within three (3) business days of application. Initial Loan Estimate
dated 06/XX/2021 was electronically provided without or prior to borrower's
consent to receive electronic disclosures. Failure to comply with the provisions
of the E-Sign Act and failure to provide good faith estimate of fees timely may
result in additional fee tolerance violations. (Initial/06/XX/2021)
625488356 XXX XXX XXX XXX XXX $XXX CT 3/XX/2021 12/XX/2020 Primary Refinance Rate/Term Non QM 1 A A A A 1 A A A A -
625489398 XXX XXX XXX XXX XXX $XXX MA 3/XX/2021 1/XX/2021 Primary Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors. to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Borrower has verified disposable income of at least $XXX.
the Due Diligence Loan Designation of Non QM.
[2] Federal Compliance - General Ability To Repay Provision Investor Borrower has worked in the same position for more than 3 years.
Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The
Qualification Method used by the lender does not match the ATR payment Borrowers made a down payment from their own funds on this purchase transaction
calculation methods under 1026.43(c)(5). of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
625489411 XXX XXX XXX XXX XXX $XXX MA 5/XX/2021 1/XX/2021 Investment Purchase 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-Sign Consent Agreement is not provided. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has verified disposable income of at least $XXX. -
Consent Agreement factors.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the guideline required
amount by the equivalent of 4 months PITIA or more.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489153 XXX XXX XXX XXX XXX $XXX MA 3/XX/2021 1/XX/2021 Investment Purchase 2 B B B B [2] Income Documentation - REO Documents are missing.: Address: XXX, MA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Statement factors. Valuation Type: Appraisal / Valuation Report Date: 03/XX/2021 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014):
Creditor did not provide a copy of each valuation to applicant three (3) Borrower has verified disposable income of at least $XXX.
business days prior to consummation. (Type:Primary/03/XX/2021)
Borrower has worked in the same position for more than 3 years.
Borrower's monthly mortgage payment has decreased by at least 20%.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489603 XXX XXX XXX XXX XXX $XXX MA 7/XX/2021 6/XX/2021 Investment Purchase 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined Calculated combined loan to value percentage of XXX% exceeds Guideline combined REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
loan to value discrepancy.: Calculated combined loan to value percentage of XXX% loan to value percentage of 70%, with a loan amount greater than $XXX million factors.
exceeds Guideline loan to value percentage of 70.00000%. Calculated loan to value percentage of XXX% exceeds Guideline loan to value REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
percentage of 70% with a loan amount greater than $XXX Million factors.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488347 XXX XXX XXX XXX XXX $XXX MA 4/XX/2021 2/XX/2021 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625488452 XXX XXX XXX XXX XXX $XXX MA 5/XX/2021 3/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] Income Documentation - Income documentation requirements not met. Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
[2] Income Documentation - Verification(s) of employment is not within 10 days of the Note date of 5/XX/2021 factor
business days of the Note.: Borrower: XXX // Employment Type: Employment / Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has owned the subject property for at least 5 years.
Income Type: Wages / Start Date: 10/XX/2018 days of the Note date of 5/XX/2021 factor
Borrower has verified disposable income of at least $XXX.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488790 XXX XXX XXX XXX XXX $XXX MA 8/XX/2021 5/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined Loan exceeds maximum CLTV of 65%. Lender exception in file. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
loan to value discrepancy.: Calculated combined loan to value percentage of XXX% Loan exceeds maximum LTV of 65%. Lender exception in file. factors.
exceeds Guideline loan to value percentage of 65.00000%. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
factors.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488270 XXX XXX XXX XXX XXX $XXX MA 6/XX/2021 5/XX/2021 Investment Purchase 1 A A A A 1 A A A A -
625488079 XXX XXX XXX XXX XXX $XXX MA 6/XX/2021 4/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Payment Shock exceeds credit REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
guidelines.: Payment Shock: 277.28452% factors.
[2] Income Documentation - REO Documents are missing.: Address: XXX, MA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has verified disposable income of at least $XXX.
Insurance Verification, Tax Verification factors.
[2] Income Documentation - REO Documents are missing.: Address: XXX, MA, REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
Address: XXX, MA Insurance Verification, Tax Verification factors.
Insurance Verification, Tax Verification Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625489522 XXX XXX XXX XXX XXX $XXX MA 6/XX/2021 5/XX/2021 Investment Purchase 1 A A A A [2] Asset Documentation - Asset documentation requirements not met. Asset documentation requirements not met. 2 months of statements are required. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
[2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All Guideline conditions were not met factors.
conditions were not met Guideline Requirement: Investor qualifying total debt ratio discrepancy. Lenders REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
[2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign calculation does not include negative cash flow from the investment properties. factors.
Consent Agreement Income documentation requirements not met REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower's monthly reserves have been verified and exceed the guideline required
[2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Mortgage statement not provided for property located on Empire St. Please factors. amount by the equivalent of 4 months PITIA or more.
qualifying total debt ratio discrepancy.: Calculated investor qualifying total provide for review REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating
debt ratio of 67.01477% exceeds Guideline total debt ratio of 50.00000%. factors. Borrowers made a down payment from their own funds on this purchase transaction
[2] Income Documentation - Income documentation requirements not met. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating of at least 5% and $XXX.
[2] Income Documentation - REO Documents are missing.: Address: XXX, MA, factors.
Address: XXX, MA Statement REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
Statement factors. by at least 10%.
[2] Income Documentation - REO Documents are missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating
factors. The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488976 XXX XXX XXX XXX XXX $XXX RI 6/XX/2021 5/XX/2021 Investment Purchase 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined Calculated CLTV is exceeding the guideline limit. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
loan to value discrepancy.: Calculated combined loan to value percentage of XXX% Calculated LTV is exceeding the guideline limit. factor
exceeds Guideline loan to value percentage of 75.00000%. Occupancy status is showing investment however declarations/will borrower occupy REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has verified disposable income of at least $XXX.
[2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: showing as Yes in final 1003 for co- borrower. factor
XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
factor
Borrower's monthly reserves have been verified and exceed the guideline required
amount by the equivalent of 4 months PITIA or more.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488155 XXX XXX XXX XXX XXX $XXX MA 6/XX/2021 5/XX/2021 Investment Purchase 1 A A A A [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Missing Mortgage statement for REO properties listed Below REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, MA factor
XXX, GA, Address: XXX, GA, Address: XXX, GA Statement XXX, GA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has verified disposable income of at least $XXX.
Insurance Verification XXX, GA factor
Insurance Verification XXX, GA Borrower has worked in the same position for more than 3 years.
Insurance Verification XXX, GA:
Insurance Verification, Tax Verification XXX, GA Borrower's monthly reserves have been verified and exceed the amount required
Insurance Verification XXX, GA based on the guidelines by at least 4 months.
Insurance Verification XXX, GA
Insurance Verification Verification(s) of employment is not within 10 business days of the Note. Borrowers made a down payment from their own funds on this purchase transaction
[2] Income Documentation - Verification(s) of employment is not within 10 of at least 5% and $XXX.
business days of the Note.: Borrower: XXX // Employment Type: Employment /
Income Type: Wages / Start Date: 04/XX/2012 The representative FICO score exceeds the guideline minimum by at least 40
points.
625488975 XXX XXX XXX XXX XXX $XXX MA 7/XX/2021 5/XX/2021 Investment Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488444 XXX XXX XXX XXX XXX $XXX MA 7/XX/2021 5/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign The file is missing the borrower's paystub and W-2. Please provide for review. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement The file is missing the verbal verification of employment obtained within ten factor
[2] Income Documentation - Income documentation requirements not met. business days of closing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
[2] Income Documentation - The verification of employment is required and was The file is missing the verbal verification of employment obtained within ten factor
not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: business days of closing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
Wages / Start Date: 02/XX/2009 factor by at least 10%.
[2] Income Documentation - Verification(s) of employment is not within 10 REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating
business days of the Note.: Borrower: XXX // Employment Type: Employment / factor The Loan to Value (LTV) on the loan is less than the guideline maximum by at
Income Type: Wages / Start Date: 02/XX/2009 least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488204 XXX XXX XXX XXX XXX $XXX MA 8/XX/2021 7/XX/2021 Investment Purchase 1 A A A A [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-Sign Consent is missing in file. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement Mortgage Statement is missing for property located at XXX[ADDRBACKSTOP], MA XXX. factors.
[2] Income Documentation - REO Documents are missing.: Address: XXX, MA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has verified disposable income of at least $XXX.
Statement factors.
Borrower has worked in the same position for more than 3 years.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488954 XXX XXX XXX XXX XXX $XXX MA 8/XX/2021 7/XX/2021 Investment Purchase 1 A A A A [2] Asset Calculation / Analysis - AUS Findings: Available for Reserves E-Sign Consent Agreement is not provided. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has verified disposable income of at least $XXX. -
discrepancy.: Calculated Available for Reserves of $XXX is less than AUS Required 2 months consecutive bank statement for Santander XXXXXXXXXXXXXXXXXXX. factors.
Available for Reserves of $XXX. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
[2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign factors.
Consent Agreement REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrowers made a down payment from their own funds on this purchase transaction
[2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: factors. of at least 5% and $XXX.
Financial Institution: XXX // Account Type: Checking / Account Number: XXX
The representative FICO score exceeds the guideline minimum by at least 40
points.
The representative FICO score is above 680.
625488844 XXX XXX XXX XXX XXX $XXX MA 8/XX/2021 7/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] Income Documentation - REO Documents are missing.: Address: XXX, MA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has owned the subject property for at least 5 years. -
Statement factors.
Borrower has verified disposable income of at least $XXX.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488229 XXX XXX XXX XXX XXX $XXX MA 11/XX/2021 8/XX/2021 Investment Refinance Cash-out - Other 1 A A A A [2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes factors.
Borrower has worked in the same position for more than 3 years.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488018 XXX XXX XXX XXX XXX $XXX MA 10/XX/2021 9/XX/2021 Investment Purchase 1 A A A A 1 A A A A -
625489336 XXX XXX XXX XXX XXX $XXX MA 11/XX/2021 10/XX/2021 Primary Purchase Safe Harbor QM (APOR) 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - ARM Disclosure Status Test: ARM disclosure not provided. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX. -
Consent Agreement FICO score of 634 is less than Guideline representative FICO score of 680. factors. disclosure: ARM loan program disclosure not provided to the borrower.
[2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
score discrepancy.: Representative FICO score of 634 is less than Guideline factors. by at least 10%.
representative FICO score of 680.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625488939 XXX XXX XXX XXX XXX $XXX MA 10/XX/2021 9/XX/2021 Investment Purchase 1 A A A A [2] Income Documentation - REO Documents are missing.: Address: XXX, NY HOA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
Verification factors.
[2] Income Documentation - REO Documents are missing.: Address: XXX, DC HOA REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
Verification, Insurance Verification factors.
Borrower's monthly reserves have been verified and exceed the amount required
based on the guidelines by at least 4 months.
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488147 XXX XXX XXX XXX XXX $XXX MO 11/XX/2020 9/XX/2020 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided to the borrower. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - Check Restated Loan Designation Match - General Ability Days Prior to Consummation: Evidence of receipt of appraisal 3 days prior to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation closing is not in file. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
the Due Diligence Loan Designation of Non QM. Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 diligence calculation is higher based on loan data in file.
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Creditor did not provide a copy of each valuation to applicant three (3) Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due
business days prior to consummation. (Type:Primary/10/XX/2020) diligence calculation is higher based on loan data in file.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due
Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for diligence calculation is higher based on loan data in file.
payment stream 4 that does not match the actual payment for the loan. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
(ProjSeq:4/2671684) Under Disclosed Test: Escrow discrepancies due to Hazard insurance calculation.
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Due diligence calculation is higher based on loan data in file.
Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2671683)
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2671682)
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2671681)
625488236 XXX XXX XXX XXX XXX $XXX MO 5/XX/2021 11/XX/2020 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of over Year 1 year not provided in closing disclosure. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
XXX on Final Closing Disclosure provided on 05/XX/2021 are overdisclosed. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
(Final/05/XX/2021) Payment Adjustable Rate Subsequent Payments: Closing disclosure Projected REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum payment not matching with Calculated payments. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Payment Adjustable Rate Subsequent Payments: Closing disclosure Projected REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Estimated Total Monthly Payment for payment stream 4 that does not match the payment not matching with Calculated payments. REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
actual total payment for the loan. (ProjSeq:4/2646221) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Closing disclosure Projected payment not matching with Calculated payments. REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final
Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Closing Disclosure provided on 05/XX/2021 disclosed an inaccurate Total of
Estimated Total Monthly Payment for payment stream 3 that does not match the Payments on page 5 that does not match the actual total of payments for the loan
actual total payment for the loan. (ProjSeq:3/2646220) (fee amounts included in TOP calculation are based on Closing Disclosure dated
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only 05/XX/2021). The disclosed Total of Payments in the amount of $XXX is under
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure disclosed by $XXX compared to the calculated total of payments of $XXX
provided on 05/XX/2021 with an increasing payment disclosed the due date of the Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided:
last payment of interest only that does not match the actual last payment for Inital loan estimate received on 04/XX/2021 and Application date is 11/XX/2020.
the loan. (Final/05/XX/2021) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure tolerance of $XXX . no Valdi change circumstance in file.
provided on 05/XX/2021 disclosed an inaccurate Total of Payments on page 5 that Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
does not match the actual total of payments for the loan (fee amounts included Disclosed: Closing disclosure Projected payment not matching with Calculated
in TOP calculation are based on Closing Disclosure dated 05/XX/2021). The payments.
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
compared to the calculated total of payments of $XXX which exceeds the $XXX Disclosed: Closing disclosure Projected payment not matching with Calculated
threshold. (Final/05/XX/2021) payments.
[2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or Disclosed: Closing disclosure Projected payment not matching with Calculated
placed in the mail to Borrower(s) within three (3) business days of application. payments.
(Initial/04/XX/2021) Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Disclosed Test: Closing disclosure Projected payment not matching with
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance Calculated payments.
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
Insufficient or no cure was provided to the borrower. (0)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for
payment stream 4 that does not match the actual payment for the loan.
(ProjSeq:4/2646221)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for
payment stream 3 that does not match the actual payment for the loan.
(ProjSeq:3/2646220)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final
Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for
payment stream 2 that does not match the actual payment for the loan.
(ProjSeq:2/2646219)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2646218)
625488896 XXX XXX XXX XXX XXX $XXX MN 4/XX/2021 2/XX/2021 Primary Refinance Cash-out - Home Improvement Non QM 2 B B B B 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - General Ability To Repay Provision Investor Qualification REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Method not Matching ATR: Ability To Repay Provision Investor Qualification REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Qualification Method used by the lender does not match the ATR payment Method not Matching ATR REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
calculation methods under 1026.43(c)(5). Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Change period according to the disclosed Loan Product. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First Change Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
period according to the disclosed Loan Product. (Final/04/XX/2021) Payment: Adjustable Payment Table: Final Closing Disclosure provided on REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only 04/XX/2021 incorrectly disclosed whether the loan contains Interest Only REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Payments due to Construction loan terms. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
contains Interest Only Payments. (Final/04/XX/2021) Projected Payment and Term Structure on CD and Note is mismatched due to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: construction terms on loan. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes REVIEWER - CURED COMMENT (2024/XX/15): Sufficient Cure Provided At Closing
Disclosure provided on 04/XX/2021 disclosed a Maximum Payment amount and period Test: Final Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent
that does not match the actual terms for the loan. (Final/04/XX/2021) Changes period that does not match the actual terms for the loan.
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum
Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Payment Adjustable Rate Subsequent Payments: Projected Payment and Term
Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent Changes period Structure on CD and Note is mismatched due to construction terms on loan.
that does not match the actual terms for the loan. (Final/04/XX/2021) Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test:
[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Projected Payment and Term Structure on CD and Note is mismatched due to
Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA construction terms on loan.
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
XXX on Final Closing Disclosure provided on 04/XX/2021 are overdisclosed. Final Closing Disclosure provided on 04/XX/2021 with an increasing payment
(Final/04/XX/2021) disclosed the due date of the last payment of interest only that does not match
[2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum the actual last payment for the loan.
Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an Adjustable Rate Subsequent Payments: Projected Payment and Term Structure on CD
Estimated Total Monthly Payment for payment stream 2 that does not match the and Note is mismatched due to construction terms on loan.
actual total payment for the loan. (ProjSeq:2/2647217) Federal Compliance - TRID Final Closing Disclosure Projected Principal And
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Interest Payment Max Payment Adjustable Rate: Projected Payment and Term
Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Structure on CD and Note is mismatched due to construction terms on loan.
provided on 04/XX/2021 with an increasing payment did not disclose the frequency Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
of adjustments. (Final/04/XX/2021) Transactions Test: Closing Disclosure provided on 04/XX/2021 does not reflect an
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only APR therefore when the final was provided it reflects a change. Initial Closing
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Disclosure dated 04/XX/2021 reflects same APR as final.
provided on 04/XX/2021 with an increasing payment disclosed the due date of the Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
last payment of interest only that does not match the actual last payment for Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds
the loan. (Final/04/XX/2021) tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment borrower.
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 04/XX/2021 did not
disclose the periodic principal and interest payment for payment stream 2.
(ProjSeq:2/2647217)
[2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And
Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed a
maximum periodic principal and interest payment for payment stream 2 that does
not match the actual maximum payment for the loan. (ProjSeq:2/2647217)
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing
Disclosure provided on or after 04/XX/2021 contains a change in APR and was not
received by borrower at least three (3) business days prior to consummation
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.
Insufficient or no cure was provided to the borrower. (0)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2647216)
625489559 XXX XXX XXX XXX XXX $XXX IL 6/XX/2021 3/XX/2021 Primary Refinance Rate/Term Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Days Prior to Consummation: No evidence that borrower received a copy of REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Creditor did not provide a copy of each valuation to applicant three (3) appraisal 3 business days to closing. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
business days prior to consummation. (Type:Primary/06/XX/2021) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Final Closing Disclosure provided on 06/XX/2021 with an increasing payment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Act: Notice of Right to Cancel was not provided. disclosed the due date of the last payment of interest only that does not match REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only the actual last payment for the loan. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 REVIEWER - CURED COMMENT (2024/XX/14): Sufficient Cure Provided At Closing
provided on 06/XX/2021 with an increasing payment disclosed the due date of the Overdisclosed - October 2018 Construction Permanent: Amount of Estimated
last payment of interest only that does not match the actual last payment for Property Costs over Year 1 of XXX on Final Closing Disclosure provided on
the loan. (Final/06/XX/2021) 06/XX/2021 are overdisclosed.
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Cure Provided: Final Lender Credit of -$XXX exceeds tolerance of -$XXX. No valid
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of COC in file.
XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
(Final/06/XX/2021) Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without file.
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) file.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.
(7580)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.
(7579)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2647147)
625488579 XXX XXX XXX XXX XXX $XXX IL 5/XX/2021 3/XX/2021 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - General Ability To Repay Provision Investor Qualification
the Due Diligence Loan Designation of Non QM. Method not Matching ATR: Letter of Explanation not provided for Employment Gap.
[2] Federal Compliance - General Ability To Repay Provision Investor
Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The
Qualification Method used by the lender does not match the ATR payment
calculation methods under 1026.43(c)(5).
625489327 XXX XXX XXX XXX XXX $XXX IL 6/XX/2021 4/XX/2021 Primary Purchase Non QM 2 B B A A 2 B B A A [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Loan has been re designated at client request
provided did not match. However, the updated Loan Designation of Non QM matches
the Due Diligence Loan Designation of Non QM.
625488170 XXX XXX XXX XXX XXX $XXX IL 7/XX/2021 5/XX/2021 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive -
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Cure Provided: Lender Credit Fee was last disclosed as -$$XXX on LE but
Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) for this fee, nor evidence of cure in file. Provide a post-close CD disclosing
the tolerance cure to include $XXX, a copy of refund check, proof of delivery,
and a copy of the letter of explanation sent to the borrower disclosing the
changes made.
625488583 XXX XXX XXX XXX XXX $XXX IL 12/XX/2021 9/XX/2021 Primary Construction-Permanent Non QM 2 B B B B [2] Income Documentation - Income documentation requirements not met. Due to following missing documents is required for this employment type: 1) REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Federal Compliance - General Ability To Repay Provision Investor Qualification REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
[2] Income Documentation - REO Documents are missing.: Address: XXX, IL Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD downgrade. Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Method not Matching ATR: Due to missing 1040s not signed and dated. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Insurance Verification, Tax Verification P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and Qualification Method used by the lender does not match the ATR payment Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
more than 120 days prior to Note Date); 5) Other document where "Reliable Third downgrade. calculation methods under 1026.43(c)(5). Projected Payment and Term Structure on CD and Note is mismatched. As per Note REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Party Source Employment" is checked; 6) 1099 [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs loan term is 348 Months and CD reflects 360 months along with 1 year interest REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
Investment property taxes and insurance are missing. Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing
Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Borrower's monthly reserves have been verified and exceed the amount required
XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed. Adjustable Rate Subsequent Payments: Projected Payment and Term Structure on CD based on the guidelines by at least 4 months.
(Final/12/XX/2021) and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only months along with 1 year interest only payments. Additionally Mortgage Insurance The representative FICO score exceeds the guideline minimum by at least 40
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure Payment Starts from 2nd Year. points.
provided on 12/XX/2021 with an increasing payment disclosed the due date of the Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Projected
last payment of interest only that does not match the actual last payment for Payment and Term Structure on CD and Note is mismatched. As per Note loan term
the loan. (Final/12/XX/2021) is 348 Months and CD reflects 360 months along with 1 year interest only
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure -
Projected Payments: Final Closing Disclosure provided on 12/XX/2021 disclosed a
periodic principal and interest payment for payment stream 3 that does not match
the actual payment for the loan. (ProjSeq:3/2654942)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure
provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that
does not match the actual total of payments for the loan (fee amounts included
in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/12/XX/2021)
[1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient
Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds
tolerance of -$XXX. Sufficient or excess cure was provided to the borrower at
Closing. (9300)
625489696 XXX XXX XXX XXX XXX $XXX MI 1/XX/2022 10/XX/2021 Second Home Refinance Rate/Term Non QM 2 B B B B [2] Asset Calculation / Analysis - Available for Closing is insufficient to Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and 2 B B B B [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is $XXX. downgrade. P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. payment: P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
less than Cash From Borrower $XXX. E-sign consent is missing in loan file REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for Note P&I was used for the APR calculation and compliance testing. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has verified disposable income of at least $XXX.
[2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign The verification of employment is required and was not found in file FOR XXX // downgrade. the APR calculation and compliance testing. Federal Compliance - General Ability To Repay Provision Investor Qualification REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Consent Agreement Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and [2] Federal Compliance - General Ability To Repay Provision Investor Method not Matching ATR: The Qualification Method used by the lender does not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has worked in the same position for more than 3 years.
[2] Income Documentation - The verification of employment is required and was downgrade. Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The match the ATR payment calculation methods under 1 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Qualification Method used by the lender does not match the ATR payment Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive The representative FICO score exceeds the guideline minimum by at least 40
Wages / Start Date: 01/XX/2008 calculation methods under 1026.43(c)(5). Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive points.
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: amount and period that does not match the actual terms for the loan. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period Test: Final Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
that does not match the actual terms for the loan. (Final/01/XX/2022) Changes period that does not match the actual terms for the loan. REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Federal Compliance - TRID Final Closing Disclosure Balloon Payment Test: Final
Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 incorrectly disclosed whether the loan
Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent Changes period contains a Balloon Payment. (Final/01/XX/2022)
that does not match the actual terms for the loan. (Final/01/XX/2022) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until:
[2] Federal Compliance - TRID Final Closing Disclosure Balloon Payment Test: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided disclosed the due date of the last payment of interest only that does not match
on 01/XX/2022 incorrectly disclosed whether the loan contains a Balloon Payment. the actual last payment for the loan. (Final/01/XX/2022
(Final/01/XX/2022) Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: : Final
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed
Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure the maximum possible amount of principal and interest that does not match the
provided on 01/XX/2022 with an increasing payment disclosed the due date of the actual maximum amount for the loan.
last payment of interest only that does not match the actual last payment for Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment
the loan. (Final/01/XX/2022) Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: 01/XX/2022 disclosed a periodic principal and interest payment for payment
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided stream 4 that does not match the actual payment for the loan.
on 01/XX/2022 with an increasing payment disclosed the maximum possible amount (ProjSeq:4/2654025)
of principal and interest that does not match the actual maximum amount for the Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
loan. (Final/01/XX/2022) Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided
Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - on 01/XX/2022 are overdisclosed.
Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed a Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final
periodic principal and interest payment for payment stream 4 that does not match Closing Disclosure provided on 01/XX/2022 disclosed an inaccurate Total of
the actual payment for the loan. (ProjSeq:4/2654025) Payments on page 5 that does not match the actual total of payments for the loan
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 (fee amounts included in TOP calculation are based on Closing Disclosure dated
Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under
Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of disclosed by $XXX compared to the calculated total of payments of $XXX which
XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. exceeds the $XXX threshold.
(Final/01/XX/2022) Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Cure Provided: no valid changed circumstance available in loan file
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over
provided on 01/XX/2022 disclosed an inaccurate Total of Payments on page 5 that Disclosed Test: Final Closing Disclosure provided on 01/XX/2022 disclosed an
does not match the actual total of payments for the loan (fee amounts included escrow payment for payment stream 1 that does not match the actual payment for
in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The the loan.
disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX
compared to the calculated total of payments of $XXX which exceeds the $XXX
threshold. (Final/01/XX/2022)
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without
Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee
Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds
tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment
Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments:
Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2654022)
625489312 XXX XXX XXX XXX XXX $XXX MA 9/XX/2020 7/XX/2020 Investment Refinance Cash-out - Other 1 A A A A [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
loan to value discrepancy.: Calculated combined loan to value percentage of XXX% factors.
exceeds Guideline combined loan to value percentage of XXX% exceeds Guideline REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating Borrower has verified disposable income of at least $XXX.
loan to value percentage of 60.00000%. factors.
Borrower has worked in the same position for more than 3 years.
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488608 XXX XXX XXX XXX XXX $XXX MA 9/XX/2020 7/XX/2020 Primary Purchase Non QM 2 B B B B [2] Income Documentation - REO Documents are missing.: Address: XXX, FL Evidence of insurance verification is not in file. SELLER - GENERAL COMMENT (2025/XX/02): P&S agreement for XXX attached. No MTG on 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability Federal Compliance - Check Restated Loan Designation Match - General Ability to REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive GENERAL COMMENT (2025/XX/02): P&S agreement for XXX attached. No MTG on XXX. Tax Borrower has been employed in the same industry for more than 5 years. -
Insurance Verification XXX. Tax Payments Verified. HOI not required. Low DTI 16.835. See HUD 1 to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation Repay: Client restates designation to Non-QM REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Payments Verified. HOI not required. Low DTI 16.835. See HUD 1 confirming
confirming borrower paid cash for property provided did not match. However, the updated Loan Designation of Non QM matches Federal Compliance - Self-Employed Tax Return Recency - ATR: File only contains REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive borrower paid cash for property Borrower has verified disposable income of at least $XXX.
REVIEWER - GENERAL COMMENT (2025/XX/03): Exception Remains - We have received the Due Diligence Loan Designation of Non QM. the signature page for the 2020 tax return. Please provide the full 2020 REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
Purchase contract for the XXX, FL. Provide the signed closing statement or final [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to personal tax return for review and upon receipt, additional conditions may Borrower has worked in the same position for more than 3 years.
closing disclosure to evidence the property has been sold. Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal apply.
REVIEWER - GENERAL COMMENT (2025/XX/06): EXCEPTION HISTORY - Exception Detail tax returns provided are not the most recent. Application Date 07/XX/2020, Most Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Borrower's monthly reserves have been verified and exceed the amount required
was updated on 01/XX/2025 PRIOR Exception Detail: Address: XXX, FL, Address: Recent Tax Return End Date 01/XX/2019, Tax Return Due Date 05/XX/2020. (XXX Closing Disclosure Issue and Received Date: Evidence of receipt of Loan Estimate based on the guidelines by at least 4 months.
XXX, FL XXX/Schedule K-1 less than 25 Percent) 4 days prior to closing is not in file.
EXCEPTION HISTORY - Exception Explanation was updated on 01/XX/2025 PRIOR [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Borrowers made a down payment from their own funds on this purchase transaction
Exception Explanation: Insurance Verification Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Cure Provided: Ten Percent Fee increased without a valid change of circumstance. of at least 5% and $XXX.
Insurance Verification Revised Loan Estimate provided on or after the date the Closing Disclosure was Cure was not provided at closing.
REVIEWER - WAIVED COMMENT (2025/XX/15): Client elects to waive with compensating provided. (The Revised Loan Estimate was received on or after the Closing The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
factors. Disclosure.) (Interim/08/XX/2020) by at least 10%.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient
Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance The Loan to Value (LTV) on the loan is less than the guideline maximum by at
exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. least 10%.
Insufficient or no cure was provided to the borrower. (0)
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
625489229 XXX XXX XXX XXX XXX $XXX MA 9/XX/2020 8/XX/2020 Primary Purchase Non QM 2 B B B B [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign The file was missing a copy of the E-Sign Consent Agreement. REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive Borrower has been employed in the same industry for more than 5 years. -
Consent Agreement factors. disclosure: ARM loan program disclosure not provided to the borrower. provided to the borrower. REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Borrower has verified disposable income of at least $XXX.
Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Rate: Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum
Table: Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. Borrower's monthly reserves have been verified and exceed the amount required
Interest Rate that does not match the actual maximum interest rate for the loan. based on the guidelines by at least 4 months.
(Final/09/XX/2020)
Borrowers made a down payment from their own funds on this purchase transaction
of at least 5% and $XXX.
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
by at least 10%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at
least 10%.
The representative FICO score exceeds the guideline minimum by at least 40
points.
625487958 XXX XXX XXX XXX XXX $XXX MA 11/XX/2021 10/XX/2021 Investment Purchase 1 A A A A [2] Asset Documentation - Asset documentation requirements not met. 1008 indicates the loan was manually underwritten REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating 1 A A A A Borrower has been employed in the same industry for more than 5 years. -
[2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All 1008 indicates the loan was manually underwritten. factors.
conditions were not met E-sign Consent Agreement is missing. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrower has worked in the same position for more than 3 years.
[2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Calculated PITIA months reserves of 10.89 is less than Guideline PITIA months factors.
Consent Agreement reserves of 12.00. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating Borrowers made a down payment from their own funds on this purchase transaction
[2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA 1008 indicates the loan was manually underwritten factors. of at least 5% and $XXX.
reserves months discrepancy.: Calculated PITIA months reserves of 10.89 is less VVOE is missing in file for primary borrower's employer as "XXX". REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating
than Guideline PITIA months reserves of 12.00. VVOE is missing in file for primary borrower's employer as "XXX". factors. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum
[2] Income Documentation - Income documentation requirements not met. REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating by at least 10%.
[2] Income Documentation - The verification of employment is required and was factors.
not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating The Loan to Value (LTV) on the loan is less than the guideline maximum by at
Wages / Start Date: 02/XX/2016 factors. least 10%.
[2] Income Documentation - Verification(s) of employment is not within 10 REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating
business days of the Note.: Borrower: XXX // Employment Type: Employment / factors. The qualifying DTI on the loan is at least 10% less than the guideline maximum.
Income Type: Wages / Start Date: 02/XX/2016
The representative FICO score exceeds the guideline minimum by at least 40
points.
625488196 XXX XXX XXX XXX XXX $XXX VA 8/XX/2006 7/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 08/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625489198 XXX XXX XXX XXX XXX $XXX PA 5/XX/2006 5/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence Federal Compliance - Final TIL Finance Charge Under Disclosed: Til itemization -
of application date located in file. Compliance tests were run using an did not include Tax cert fee of $XXX and document signing fee of $XXX as prepaid
application date of 05/XX/2006 which is 0 months prior to consummation. A finance charge
lookback was performed to determine this application date using the following
dates: 05/XX/2006, 05/XX/2006. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489463 XXX XXX XXX XXX XXX $XXX FL 9/XX/2005 5/XX/2005 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 10/XX/2005 used as disbursement
date for compliance testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing:
Missing Final TIL Signature Date. Unable to determine compliance with rescission
timing requirements.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 10/XX/2005, prior to three (3) business days from
transaction date of 09/XX/2005.
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non
Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not
executed on the proper Model Form for a refinance by a creditor that is not
considered the original creditor. The H-9 form was used, the H-8 form should
have been used.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488935 XXX XXX XXX XXX XXX $XXX FL 7/XX/2007 7/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From parties: TIL appears to be final but not signed nor initialed by borrower.
Date from HUD-1 or final closing disclosure of 07/XX/2007 used as disbursement Federal Compliance - Final TIL Not Provided to Borrower At or Before
date for compliance testing. Consummation: TIL in file indicated to be final, expected funding date same as
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: disbursement and/or note date but is not signed or dated by borrower so cannot
Creditor did not provide FACTA Credit Score Disclosure. confirm that borrower received.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488286 XXX XXX XXX XXX XXX $XXX VA 7/XX/2013 6/XX/2013 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence -
of application date located in file. Compliance tests were run using an
application date of 06/XX/2013 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2013, 06/XX/2013, 05/XX/2013, 04/XX/2013, 03/XX/2013, 02/XX/2013,
01/XX/2013. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days
of Application: Unable to determine compliance with timing requirements due to
missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of
application: Unable to test LO company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not
approved: Unable to test Individual Loan Originator license status due to
missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of
application: Unable to test Loan Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved:
Unable to test LO company status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS:
Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan
Originator NMLSR information on loan documents does not match NMLSR.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan
Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable
to determine compliance with NMLSR timing requirements due to missing evidence
of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business
Days of Application: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
625488068 XXX XXX XXX XXX XXX $XXX FL 5/XX/2008 3/XX/2008 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated -
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625489317 XXX XXX XXX XXX XXX $XXX PA 8/XX/2007 8/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence -
of application date located in file. Compliance tests were run using an
application date of 08/XX/2007 which is 0 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 08/XX/2007, 08/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625489066 XXX XXX XXX XXX XXX $XXX MI 10/XX/2008 9/XX/2008 Primary Purchase 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Certificate not provided Missing: Evidence of disbursement date not found in file. Prepaid Interest From
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA Date from HUD-1 or final closing disclosure of 10/XX/2008 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/2008 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 10/XX/2008, 09/XX/2008, 09/XX/2008. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
625488325 XXX XXX XXX XXX XXX $XXX MD 8/XX/2005 8/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488137 XXX XXX XXX XXX XXX $XXX CO 2/XX/2005 1/XX/2005 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 01/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 02/XX/2005, 01/XX/2005. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625488053 XXX XXX XXX XXX XXX $XXX GA 12/XX/1998 7/XX/1998 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From did not disclose the Attorney Fee $XXX, Loan Discount Fee $XXX and Post Closing
Date from HUD-1 or final closing disclosure of 12/XX/1998 used as disbursement Fee $XXX as prepaid finance charges.
date for compliance testing.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489481 XXX XXX XXX XXX XXX $XXX FL 8/XX/2007 7/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 07/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 08/XX/2007, 07/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625489286 XXX XXX XXX XXX XXX $XXX OH 9/XX/2004 8/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 08/XX/2004 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 09/XX/2004, 08/XX/2004, 07/XX/2004, 06/XX/2004, 05/XX/2004, 04/XX/2004,
03/XX/2004. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488706 XXX XXX XXX XXX XXX $XXX MI 1/XX/2007 1/XX/2007 Investment Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 01/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625489325 XXX XXX XXX XXX XXX $XXX FL 9/XX/2007 8/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 09/XX/2007 used as disbursement date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 08/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 09/XX/2007, 08/XX/2007, 07/XX/2007, 06/XX/2007, 05/XX/2007, 04/XX/2007,
03/XX/2007. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488167 XXX XXX XXX XXX XXX $XXX IL 6/XX/2007 5/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 05/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 06/XX/2007, 05/XX/2007, 04/XX/2007, 03/XX/2007, 02/XX/2007, 01/XX/2007,
12/XX/2006. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
625489131 XXX XXX XXX XXX XXX $XXX NJ 8/XX/2006 7/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non -
Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not
executed on the proper Model Form for a refinance by a creditor that is not
considered the original creditor. The H-9 form was used, the H-8 form should
have been used.
625488121 XXX XXX XXX XXX XXX $XXX IN 11/XX/2005 10/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
file. Missing: Evidence of disbursement date not found in file. Security Instrument
[3] Application / Processing - Missing Document: Missing Final 1003 Notary Date of 11/XX/2005 used as disbursement date for compliance testing.
[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the [2] General Appraisal Requirements - Due to lack of appraised value, compliance
standard Due on Sale clause. tests requiring an LTV were run off an assumed value of a contract sales price
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does or original loan amount, whichever applies.
not contain the following clauses:: Homestead Exemption Waiver [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 10/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 11/XX/2005, 10/XX/2005, 09/XX/2005, 08/XX/2005, 07/XX/2005, 06/XX/2005,
05/XX/2005. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625489285 XXX XXX XXX XXX XXX $XXX PA 10/XX/2005 9/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 10/XX/2005 used as disbursement date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 10/XX/2005, 09/XX/2005, 08/XX/2005, 07/XX/2005, 06/XX/2005, 05/XX/2005,
04/XX/2005. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing:
Pennsylvania Late Charge: Note grace period of 10 days is less than the state
minimum of 15 days.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 10/XX/2005, prior to three (3) business days from
transaction date of 10/XX/2005.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488006 XXX XXX XXX XXX XXX $XXX MI 3/XX/2005 2/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill
of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act:
Borrower Bill of Rights disclosure not provided to borrower.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling
Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution
and Home Ownership Counseling Notice not provided to borrower.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling
Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved
credit counseling agencies not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2005, 02/XX/2005, 01/XX/2005, 12/XX/2004, 11/XX/2004, 10/XX/2004,
09/XX/2004. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
625488152 XXX XXX XXX XXX XXX $XXX TX 7/XX/2002 5/XX/2002 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does Missing: Evidence of disbursement date not found in file. Security Instrument
not contain the following clauses:: Homestead Exemption Waiver Notary Date of 07/XX/2002 used as disbursement date for compliance testing.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 07/XX/2002, prior to three (3) business days from
transaction date of 07/XX/2002.
625489237 XXX XXX XXX XXX XXX $XXX WI 10/XX/2005 9/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From determine under disclosure due to missing itemization of amount financed.
Date from HUD-1 or final closing disclosure of 10/XX/2005 used as disbursement
date for compliance testing.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488634 XXX XXX XXX XXX XXX $XXX FL 1/XX/2007 12/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 12/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 01/XX/2007, 12/XX/2006, 12/XX/2006. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
625489202 XXX XXX XXX XXX XXX $XXX IL 11/XX/2007 9/XX/2007 Primary Refinance Cash-out - Other 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Yes TR Indeterminable
(Primary): Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, (Primary): The HUD-1 contains a hold back on Line 1303 Funds Held: Assessment
State or Local compliance testing. Lien $XXX and cannot be considered Final.
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to
disclosure: ARM loan program disclosure not provided to the borrower. determine under disclosure due to missing Itemization of Amount Financed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488822 XXX XXX XXX XXX XXX $XXX AZ 4/XX/2007 3/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Construction Addendum/Allonge Incomplete - Combined
Disclosure Type (Not Subject To High Cost): Construction Addendum/Allonge
Incomplete Test: Construction to Perm Incomplete Note – Combined Disclosures -
Construction Phase Addendum/Rider or Construction Loan Agreement or other source
documentation containing construction phase loan terms not in file. Compliance
testing performed based on terms of permanent financing only, however calculated
APR may not be accurate due to missing information.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 04/XX/2007 used as disbursement date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 03/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 04/XX/2007, 03/XX/2007, 02/XX/2007, 02/XX/2007. Lookback testing
performed up to one of the following: TRID start date, TIL/MDIA 2011 start date,
RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker
Application Date, or six months prior to consummation.
625487938 XXX XXX XXX XXX XXX $XXX MO 11/XX/2007 10/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence -
of application date located in file. Compliance tests were run using an
application date of 10/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 11/XX/2007, 10/XX/2007, 09/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
625488004 XXX XXX XXX XXX XXX $XXX IN 10/XX/1997 9/XX/1997 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 10/XX/1997 used as disbursement date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/1997 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 10/XX/1997, 09/XX/1997, 08/XX/1997, 07/XX/1997, 06/XX/1997, 05/XX/1997,
04/XX/1997. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 10/XX/1997, prior to three (3) business days from
transaction date of 10/XX/1997.
625488378 XXX XXX XXX XXX XXX $XXX OH 11/XX/2004 10/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower within
three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
625488280 XXX XXX XXX XXX XXX $XXX GA 11/XX/2006 8/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - Final TIL Not Provided to Borrower At or Before -
Creditor did not provide FACTA Credit Score Disclosure. Consummation: TIL in file indicated to be final. Expected funding date same as
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated disbursement and/or note date but is not dated by borrower so cannot confirm
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain when borrower received the TIL.
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489111 XXX XXX XXX XXX XXX $XXX IL 7/XX/2007 7/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 07/XX/2007 which is 0 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 07/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625488478 XXX XXX XXX XXX XXX $XXX MA 7/XX/2007 6/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 07/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 06/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 06/XX/2007, 06/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488679 XXX XXX XXX XXX XXX $XXX GA 1/XX/2010 1/XX/2010 Investment Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488956 XXX XXX XXX XXX XXX $XXX WI 7/XX/2005 6/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated determine under disclosure due to missing Itemization of Amount Financed.
Finance Charge of $XXX in the amount of $XXX.
625489133 XXX XXX XXX XXX 3 D D D D 3 D D D D [3] Loan File - (Missing Doc) Incomplete loan images/file Loan File - (Missing Doc) Incomplete loan images/file: File contains only the REVIEWER - GENERAL COMMENT (2025/XX/01): Additional image package received is UTD Indeterminable
security Instrument and post closing documents. just post closing documents.
REVIEWER - GENERAL COMMENT (2025/XX/06): Received a 256 page image file which
are all post closing documents. Unable to clear exception as no additional
origination documentation was received.
625488398 XXX XXX XXX XXX XXX $XXX MA 10/XX/2006 9/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 10/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 10/XX/2006, 09/XX/2006, 08/XX/2006, 07/XX/2006, 06/XX/2006, 05/XX/2006,
04/XX/2006. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488465 XXX XXX XXX XXX XXX $XXX IA 12/XX/2005 11/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 12/XX/2005 used as disbursement
date for compliance testing.
[2] State Compliance - Iowa Prepayment Penalty: Iowa Prepayment Penalty: A
prepayment penalty is not permitted per state law. Prepay language states prepay
will not exceed maximum permitted by applicable law.
625489333 XXX XXX XXX XXX XXX $XXX WA 3/XX/2008 1/XX/2008 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower within
three (3) days of application.
625489594 XXX XXX XXX XXX XXX $XXX CA 9/XX/2006 8/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 09/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing
information.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625487972 XXX XXX XXX XXX XXX $XXX CT 8/XX/2007 7/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non
Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not
executed on the proper Model Form for a refinance by a creditor that is not
considered the original creditor. The H-9 form was used, the H-8 form should
have been used.
625488719 XXX XXX XXX XXX XXX $XXX MD 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 03/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2007, 02/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625489310 XXX XXX XXX XXX XXX $XXX AL 3/XX/2007 2/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] State Compliance - Alabama Prepayment Penalty: Alabama Prepayment Penalty: A -
prepayment penalty is not permitted under the Consumer Credit Act. Prepay
language states prepay will not exceed maximum permitted by applicable law.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 03/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2007, 02/XX/2007, 02/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
625489525 XXX XXX XXX XXX XXX $XXX NM 5/XX/2007 4/XX/2007 Investment Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher -
Priced: The mortgage loan file contains documenting evidence the consumer Priced: Declarations page of the final loan application indicates that the
intends to occupy the subject property as their primary residence. (Compliance borrower intend to occupy the subject loan as a primary residence.
testing performed based on the Occupancy Type of Investment).
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 04/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 05/XX/2007, 04/XX/2007, 04/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
625489332 XXX XXX XXX XXX XXX $XXX CA 6/XX/2007 5/XX/2007 Primary Purchase 3 D D D D [3] General - Incomplete Document: Note - Subject Lien is incomplete The subject note, deed of trust, and final TIL all have the lender name missing. 3 D D D D [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document General - Incomplete Document: TIL Final is incomplete: The subject note, deed No TNR Testing Not Required
[3] Application / Processing - Missing Document: Missing Final 1003 (Primary or Second Home): Missing Final HUD-1. No document containing fees of trust, and final TIL all have the lender name missing.
provided. Any applicable Federal, State or Local compliance testing is
unreliable.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 06/XX/2007 used as disbursement date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] General - Incomplete Document: TIL Final is incomplete
[2] Federal Compliance - Missing Initial Loan Application No Fees Test: No
evidence of application date located in file. Compliance tests were run using an
application date of 05/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 06/XX/2007, 05/XX/2007, 05/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure,
no fees were used in testing.
625488485 XXX XXX XXX XXX XXX $XXX GA 2/XX/2006 1/XX/2006 UTD Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 02/XX/2006 used as disbursement
date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 01/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 02/XX/2006, 01/XX/2006, 12/XX/2005, 11/XX/2005, 10/XX/2005, 09/XX/2005,
08/XX/2005. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Right of Rescission Timing - Note Date used as
Transaction Date: Unable to conclusively determine date of consummation. Note
date used as transaction date for purposes of determining compliance with
rescission timing requirements
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625489191 XXX XXX XXX XXX XXX $XXX WI 6/XX/2006 5/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
file. disclosure: ARM loan program disclosure not provided to the borrower.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 06/XX/2006 used as disbursement
date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 05/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 06/XX/2006, 05/XX/2006, 04/XX/2006, 03/XX/2006, 02/XX/2006, 01/XX/2006,
12/XX/2005. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] State Compliance - Wisconsin Prepayment Penalty ARM Test: Wisconsin
Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not
provide disclosure stating that there are also loans available without
prepayment penalties.
625488451 XXX XXX XXX XXX XXX $XXX NC 11/XX/2004 10/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 11/XX/2004 used as disbursement date for compliance testing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
625488676 XXX XXX XXX XXX XXX $XXX CA 1/XX/2007 1/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence -
of application date located in file. Compliance tests were run using an
application date of 01/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 02/XX/2007, 01/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625489542 XXX XXX XXX XXX XXX $XXX FL 12/XX/2006 11/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 12/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 11/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 12/XX/2006, 11/XX/2006, 10/XX/2006. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
625489267 XXX XXX XXX XXX XXX $XXX MI 8/XX/2005 7/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 08/XX/2005 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 07/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 08/XX/2005, 07/XX/2005, 06/XX/2005, 05/XX/2005, 04/XX/2005, 03/XX/2005,
02/XX/2005. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
625488348 XXX XXX XXX XXX XXX $XXX SC 12/XX/2007 11/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 11/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 12/XX/2007, 11/XX/2007, 10/XX/2007, 09/XX/2007, 08/XX/2007, 07/XX/2007,
06/XX/2007. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488472 XXX XXX XXX XXX XXX $XXX KS 6/XX/2008 5/XX/2008 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488932 XXX XXX XXX XXX XXX $XXX WI 10/XX/2008 9/XX/2008 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/2008 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 10/XX/2008, 09/XX/2008, 08/XX/2008, 07/XX/2008, 06/XX/2008, 05/XX/2008,
04/XX/2008. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
625489261 XXX XXX XXX XXX XXX $XXX CA 10/XX/2007 9/XX/2007 Primary Purchase 3 D D D D [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does 3 D D D D [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Yes TR Indeterminable
not contain the following clauses:: Homestead Exemption Waiver (Primary): Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, (Primary): HUD-1 line 213 indicates it is an estimate so the HUD-1 cannot be
State or Local compliance testing. considered Final.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - Final TIL Finance Charge Under Disclosed: HUD-1 line 213 is
Creditor did not provide FACTA Credit Score Disclosure. a Seller Credit for $XXX which was not itemized and could not be utilized in the
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all review.
required parties
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489318 XXX XXX XXX XXX XXX $XXX MD 8/XX/2006 7/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required -
Creditor did not provide FACTA Credit Score Disclosure. parties: TIL appears to be final but not signed nor initialed by borrower
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Federal Compliance - Final TIL Not Provided to Borrower At or Before
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain Consummation: TIL in file indicated to be final, expected funding date same as
signature on Affiliated Business Arrangement Disclosure. disbursement and/or note date, but is not signed or dated by borrower so cannot
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement confirm that borrower received.
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488971 XXX XXX XXX XXX XXX $XXX FL 9/XX/2008 8/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does of application date located in file. Compliance tests were run using an
not contain the following clauses:: Homestead Exemption Waiver application date of 08/XX/2008 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 09/XX/2008, 08/XX/2008, 07/XX/2008, 06/XX/2008, 05/XX/2008, 04/XX/2008,
03/XX/2008. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
625487927 XXX XXX XXX XXX XXX $XXX PA 7/XX/2007 7/XX/2007 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625489199 XXX XXX XXX XXX XXX $XXX VA 11/XX/2005 10/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488284 XXX XXX XXX XXX XXX $XXX AZ 1/XX/2006 12/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
file. disclosure was provided within three (3) days of application due to missing
[3] Application / Processing - Missing Document: Missing Final 1003 information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 01/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 12/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 01/XX/2006, 12/XX/2005, 11/XX/2005, 11/XX/2005. Lookback testing
performed up to one of the following: TRID start date, TIL/MDIA 2011 start date,
RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker
Application Date, or six months prior to consummation.
[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same
lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to
be determined. Unable to determine if correct TILA rescission form was used.
(H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th,
or District of Columbia)
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488238 XXX XXX XXX XXX XXX $XXX AZ 7/XX/2007 6/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 06/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 06/XX/2007, 05/XX/2007, 04/XX/2007, 03/XX/2007, 02/XX/2007,
01/XX/2007. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488263 XXX XXX XXX XXX XXX $XXX FL 4/XX/2004 3/XX/2004 Primary Refinance Cash-out - Debt Consolidation 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Yes TR HUD Deficiency
(Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any
applicable Federal, State or Local compliance testing.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 04/XX/2004 used as disbursement
date for compliance testing.
625488663 XXX XXX XXX XXX XXX $XXX LA 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 03/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2007, 02/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625488210 XXX XXX XXX XXX XXX $XXX NJ 7/XX/2007 6/XX/2007 UTD Refinance UTD 3 D D D D [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in 3 D D D D [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document Yes TR Indeterminable (UAL State)
file. (Primary or Second Home): Missing Final HUD-1. No document containing fees
[3] Application / Processing - Missing Document: Missing Final 1003 provided. Any applicable Federal, State or Local compliance testing is
unreliable.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 07/XX/2007 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees Test: No
evidence of application date located in file. Compliance tests were run using an
application date of 06/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 06/XX/2007, 05/XX/2007, 04/XX/2007, 03/XX/2007, 02/XX/2007,
01/XX/2007. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in
testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625489442 XXX XXX XXX XXX XXX $XXX IN 4/XX/2007 3/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488133 XXX XXX XXX XXX XXX $XXX FL 3/XX/2004 2/XX/2004 UTD Refinance UTD 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document Yes TR Indeterminable
(Primary or Second Home): Missing Final HUD-1. No document containing fees
provided. Any applicable Federal, State or Local compliance testing is
unreliable.
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Security Instrument
Notary Date of 03/XX/2004 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees Test: No
evidence of application date located in file. Compliance tests were run using an
application date of 02/XX/2004 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2004, 02/XX/2004, 01/XX/2004, 12/XX/2003, 11/XX/2003, 10/XX/2003,
09/XX/2003. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in
testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625488328 XXX XXX XXX XXX XXX $XXX CA 5/XX/2005 4/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 04/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 05/XX/2005, 04/XX/2005, 03/XX/2005, 02/XX/2005, 01/XX/2005, 12/XX/2004,
11/XX/2004. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 05/XX/2005, prior to three (3) business days from
transaction date of 05/XX/2006.
[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or
equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of
Right to Cancel occurs prior to expected date(s).
625488854 XXX XXX XXX XXX XXX $XXX FL 8/XX/2005 8/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower within
three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower within three (3) days of application.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 08/XX/2005 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
625489179 XXX XXX XXX XXX XXX $XXX CT 4/XX/2007 3/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut
Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage
Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay
language states prepay will not exceed maximum permitted by applicable law.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 03/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 04/XX/2007, 03/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
625487983 XXX XXX XXX XXX XXX $XXX PA 3/XX/2005 2/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2005, 02/XX/2005, 01/XX/2005, 12/XX/2004, 11/XX/2004, 10/XX/2004,
09/XX/2004. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
625489636 XXX XXX XXX XXX XXX $XXX FL 5/XX/2005 4/XX/2005 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 05/XX/2005 used as disbursement
date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 04/XX/2005 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 05/XX/2005, 04/XX/2005, 03/XX/2005, 02/XX/2005, 01/XX/2005, 12/XX/2004,
11/XX/2004. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property
Type. If property type is other than single family residence, state and federal
testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488930 XXX XXX XXX XXX XXX $XXX OK 12/XX/2005 11/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL -
Creditor did not provide FACTA Credit Score Disclosure. appears to be final but not signed nor initialed by borrower
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain parties: TIL appears to be final but not signed nor initialed by borrower.
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488412 XXX XXX XXX XXX XXX $XXX PA 9/XX/2006 9/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 09/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 09/XX/2006 which is 0 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 09/XX/2006, 09/XX/2006. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
625489444 XXX XXX XXX XXX XXX $XXX AK 7/XX/2007 6/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 07/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 06/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 06/XX/2007, 05/XX/2007, 04/XX/2007, 03/XX/2007, 02/XX/2007,
01/XX/2007. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
625488840 XXX XXX XXX XXX XXX $XXX AZ 3/XX/2007 2/XX/2007 Primary Refinance Rate/Term 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees Yes TR HUD Deficiency
(Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any
applicable Federal, State or Local compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2007, 02/XX/2007, 01/XX/2007, 12/XX/2006, 11/XX/2006, 10/XX/2006,
09/XX/2006. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488946 XXX XXX XXX XXX XXX $XXX NY 4/XX/2006 3/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM -
disclosure was provided within three (3) days of application due to missing
information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 04/XX/2006 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 03/XX/2006 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 04/XX/2006, 03/XX/2006, 02/XX/2006, 01/XX/2006, 12/XX/2005, 11/XX/2005.
Lookback testing performed up to one of the following: TRID start date, TIL/MDIA
2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS
Application Date, Broker Application Date, or six months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488887 XXX XXX XXX XXX XXX $XXX IL 3/XX/2006 1/XX/2006 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
disclosure: ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488056 XXX XXX XXX XXX XXX $XXX WY 4/XX/2007 4/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated -
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625488678 XXX XXX XXX XXX XXX $XXX GA 2/XX/2007 1/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 02/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 01/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 02/XX/2007, 01/XX/2007, 12/XX/2006, 11/XX/2006. Lookback testing
performed up to one of the following: TRID start date, TIL/MDIA 2011 start date,
RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker
Application Date, or six months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489346 XXX XXX XXX XXX XXX $XXX MS 7/XX/2007 7/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date -
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 07/XX/2007 used as disbursement
date for compliance testing.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 07/XX/2007 which is 0 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 07/XX/2007, 07/XX/2007. Lookback testing performed up to one of the
following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date,
TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six
months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
625488312 XXX XXX XXX XXX XXX $XXX MO 3/XX/2007 2/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM Federal Compliance - Final TIL Finance Charge Under Disclosed: The index the -
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate disclosure was provided within three (3) days of application due to missing Lender used at origination was not provided in the file. The lowest index value
(MIC) not provided information. available in the lookback period is 5.2591 and results in higher payment streams
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine than were disclosed on the Final TIL.
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2007 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 03/XX/2007, 02/XX/2007, 02/XX/2007. Lookback testing performed up to one
of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start
date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date,
or six months prior to consummation.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Unable to determine if Creditor provided Affiliated Business Arrangement
Disclosure to applicant within three (3) business days of application due to
missing information.
[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In
Lending Act: Final TIL APR of XX.XX% is underdisclosed from calculated APR of
XX.XX% outside of 0.250% tolerance.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489419 XXX XXX XXX XXX XXX $XXX NJ 2/XX/2002 1/XX/2002 UTD Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate -
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate disclosure: ARM loan program disclosure not provided to the borrower.
(MIC) not provided [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date
Missing: Evidence of disbursement date not found in file. Prepaid Interest From
Date from HUD-1 or final closing disclosure of 02/XX/2002 used as disbursement
date for compliance testing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Testing: No evidence
of application date located in file. Compliance tests were run using an
application date of 01/XX/2002 which is 1 months prior to consummation. A
lookback was performed to determine this application date using the following
dates: 02/XX/2002, 01/XX/2002, 12/XX/2001, 11/XX/2001, 10/XX/2001, 09/XX/2001,
08/XX/2001. Lookback testing performed up to one of the following: TRID start
date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date,
LOS Application Date, Broker Application Date, or six months prior to
consummation.
[2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment
Penalty: No prepayment penalties are permissible in the state of New Jersey.
Prepay language states prepay will not exceed maximum permitted by applicable
law.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625489543 XXX XXX XXX XXX XXX $XXX IL 3/XX/2007 3/XX/2007 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625489299 XXX XXX XXX XXX XXX $XXX MO 4/XX/2008 3/XX/2008 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625488086 XXX XXX XXX XXX XXX $XXX WA 5/XX/2008 4/XX/2008 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending -
Act: Notice of Right to Cancel was not provided.
625489120 XXX XXX XXX XXX XXX $XXX MD 8/XX/2007 7/XX/2007 Primary Refinance Rate/Term 3 B B B B 3 B B B B [3] Missing Document - Missing Document: Missing 1003 Initial - Lender's Missing Document - Missing Document: Missing 1003 Initial - Lender's: Compliance -
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided testing was completed using up to a 6 month look back from the Note date.
[2] Missing Document - Initial TIL not provided
625488841 XXX XXX XXX XXX XXX $XXX PA 11/XX/2008 10/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Missing Document - Initial TIL not provided
625487981 XXX XXX XXX XXX XXX $XXX MS 1/XX/2008 9/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
625488598 XXX XXX XXX XXX XXX $XXX NV 12/XX/2004 12/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or -
equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of
Right to Rescind occurs prior to expected date(s).
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625487913 XXX XXX XXX XXX XXX $XXX CT 7/XX/2005 6/XX/2005 Primary Refinance Cash-out - Other 1 A A A A 1 A A A A -
625489021 XXX XXX XXX XXX XXX $XXX NC 10/XX/2006 10/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Missing Document - Initial TIL not provided -
625488580 XXX XXX XXX XXX XXX $XXX GA 2/XX/2008 2/XX/2008 Primary Refinance Rate/Term 1 A A A A 1 A A A A -
625488596 XXX XXX XXX XXX XXX $XXX NC 10/XX/2006 9/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated -
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488323 XXX XXX XXX XXX XXX $XXX OR 11/XX/2005 10/XX/2005 Primary Purchase 1 A A A A 1 A A A A -
625488726 XXX XXX XXX XXX XXX $XXX MN 5/XX/2007 3/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625489659 XXX XXX XXX XXX XXX $XXX HI 10/XX/2007 9/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Closing / Title - (Doc Error) Security Instrument Error: Notary Date was not -
provided
625488774 XXX XXX XXX XXX XXX $XXX FL 6/XX/2007 5/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance Federal Compliance - Notice of Right to Cancel Missing: Missing documentation to -
tests requiring an LTV were run off an assumed value of a contract sales price determine the occupancy and purpose therefore compliance review defaulted to
or original loan amount, whichever applies. owner occupied/cash out refinance.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 5/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488714 XXX XXX XXX XXX XXX $XXX NJ 3/XX/2006 2/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625488272 XXX XXX XXX XXX XXX $XXX TN 8/XX/2007 7/XX/2007 Second Home Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document No TNR Testing Not Required
containing fees provided. Any applicable Federal, State or Local compliance
testing is unreliable.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488437 XXX XXX XXX XXX XXX $XXX OH 12/XX/2010 10/XX/2010 Primary Purchase 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 2 B B B B [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
(MIC) not provided Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio did not disclose the following fees as prepaid finance charges: $XXX Closing
Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Protection Letter, $XXX Flood Cert, $XXX Origination Fee, $XXX Recording Service
Information Document not retained by lender. Fee, $XXX Settlement Fee, $XXX Tax Service Fee, $XXX Title Courier, $XXX Wire
[2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Fee. Itemization also included a $XXX Final Inspection Fee as a prepaid charge.
Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the
required Closing Disclosure.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing:
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488244 XXX XXX XXX XXX XXX $XXX SC 10/XX/2006 8/XX/2006 Primary Construction-Permanent 2 B B B B 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure -
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488414 XXX XXX XXX XXX XXX $XXX CA 4/XX/2008 3/XX/2008 Primary Refinance Rate/Term 1 A A A A 1 A A A A -
625489093 XXX XXX XXX XXX XXX $XXX TX 1/XX/2008 12/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [2] Closing / Title - Final Title Policy is missing. No evidence of title was 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
found in file. Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625489506 XXX XXX XXX XXX XXX $XXX MD 9/XX/2005 8/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Miscellaneous Compliance - Initial TIL not provided
625488914 XXX XXX XXX XXX XXX $XXX NC 4/XX/2009 3/XX/2009 Primary Refinance Rate/Term 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of -
Certificate not provided application date located in file. Compliance tests were run using an application
[3] Application / Processing - Missing Document: Missing Final 1003 date of 3/XX/2009 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625489676 XXX XXX XXX XXX XXX $XXX IL 3/XX/2008 2/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 Broker's only page 1 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625488656 XXX XXX XXX XXX XXX $XXX CA 6/XX/2005 5/XX/2005 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of determine cause of under disclosure due to missing itemization of amount
application date located in file. Compliance tests were run using an application financed.
date of 5/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488785 XXX XXX XXX XXX XXX $XXX GA 12/XX/2006 11/XX/2006 Primary Purchase 1 A A A A 1 A A A A -
625489430 XXX XXX XXX XXX XXX $XXX GA 9/XX/2007 7/XX/2007 Primary Refinance Cash-out - Other 1 A A A A 1 A A A A -
625489089 XXX XXX XXX XXX XXX $XXX CA 9/XX/2011 8/XX/2011 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Federal Compliance - SAFE Act - LO Company NMLS license status not approved: -
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business Oraganization is in approved status
day availability for estimate of charges and terms for all other settlement Federal Compliance - SAFE Act - Individual LO NMLS license status not approved:
charges. LO in approved status at time of origination
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing:
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved:
Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator
Organization not in approved license status to conduct loan origination
activities.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not
approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual
Loan Originator not in approved license status to conduct loan origination
activities.
625488546 XXX XXX XXX XXX XXX $XXX PA 11/XX/2006 10/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
625488093 XXX XXX XXX XXX XXX $XXX PA 9/XX/2006 8/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 8/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488046 XXX XXX XXX XXX XXX $XXX GA 6/XX/2008 4/XX/2008 Primary Refinance Cash-out - Other 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
(MIC) not provided tests requiring an LTV were run off an assumed value of a contract sales price determine under disclosure due to missing itemization of amount financed.
or original loan amount, whichever applies.
[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than
0.125%: Truth In Lending Act: Final TIL APR of XX.XX% is underdisclosed from
calculated APR of XX.XX% outside of 0.125% tolerance.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489516 XXX XXX XXX XXX XXX $XXX MS 8/XX/2009 4/XX/2009 Primary Purchase 1 A A A A [3] Government Documentation - Missing Document: FHA Mortgage Insurance 1 A A A A -
Certificate not provided
[3] Application / Processing - Missing Document: Missing Final 1003
625489125 XXX XXX XXX XXX XXX $XXX GA 9/XX/2007 9/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625489711 XXX XXX XXX XXX XXX $XXX FL 1/XX/2008 12/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
(MIC) not provided Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488537 XXX XXX XXX XXX XXX $XXX IL 4/XX/2008 3/XX/2008 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used
on Same Lender Refinance (Circuit 2, 3, 5, 7, 8, 9, 10 or DC): Truth in Lending
Act: Notice of Right to Cancel was not executed on the proper Model Form for a
refinancing by the same creditor. The H-8 form was used, the H-9 form should
have been used.
625487939 XXX XXX XXX XXX XXX $XXX CA 7/XX/2005 6/XX/2005 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used -
on Same Lender Refinance (Circuit 2, 3, 5, 7, 8, 9, 10 or DC): Truth in Lending
Act: Notice of Right to Cancel was not executed on the proper Model Form for a
refinancing by the same creditor. The H-8 form was used, the H-9 form should
have been used.
625488729 XXX XXX XXX XXX XXX $XXX IL 6/XX/2005 2/XX/2005 Primary Purchase 2 B B B B [2] Closing / Title - Final Title Policy is missing. No evidence of title was 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
found in file. ARM loan program disclosure not provided to the borrower within three (3) days determine underdisclosure, missing Itemization.
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489646 XXX XXX XXX XXX XXX $XXX MO 9/XX/2005 8/XX/2005 Primary Purchase 1 A A A A [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 1 A A A A -
(MIC) not provided
625488987 XXX XXX XXX XXX XXX $XXX LA 4/XX/2005 3/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of State Compliance - (Doc Error) Note Error: Loan does not comply with state -
application date located in file. Compliance tests were run using an application prepayment penalty requirements: PPP expired. Prepayment charge not allowed per
date of 3/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback state of LA - max prepayment charge for LA loan is 5%, 4%, 3%, 2%, 1% - Note
was used to determine this application date. rider reflects prepayment of 5%, 5%,5%.5%,5%. Lender is XXX.
[2] State Compliance - (Doc Error) Note Error: Loan does not comply with state
prepayment penalty requirements
625488772 XXX XXX XXX XXX XXX $XXX FL 3/XX/2008 2/XX/2008 Investment Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document No TNR Testing Not Required
containing fees provided. Any applicable Federal, State or Local compliance
testing is unreliable.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - (Missing Data) Missing Information to Determine
Origination Channel: Unable to determine the origination channel based on the
loan documents provided for review. The compliance review was performed with
using the equivalent evaluation that would be considered for an Origination
Channel of Retail.
625489501 XXX XXX XXX XXX XXX $XXX CA 1/XX/2007 12/XX/2006 Primary Purchase 2 B B B B [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
provided ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
625489030 XXX XXX XXX XXX XXX $XXX MD 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Miscellaneous Compliance - Initial TIL not provided: Provided date not indicated -
Creditor did not provide FACTA Credit Score Disclosure. on initial TIL.
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489200 XXX XXX XXX XXX XXX $XXX GA 8/XX/2007 7/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488791 XXX XXX XXX XXX XXX $XXX WI 11/XX/2006 10/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625489206 XXX XXX XXX XXX XXX $XXX MD 7/XX/2007 6/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of Miscellaneous Compliance - Initial TIL not provided: The Lender's Initial Truth -
application date located in file. Compliance tests were run using an application In Lending Disclosure was not provided in the loan File.
date of 6/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
625488305 XXX XXX XXX XXX XXX $XXX MS 10/XX/2006 9/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
[2] Closing / Title - Final Title Policy is missing. No evidence of title was Creditor did not provide FACTA Credit Score Disclosure.
found in file. [2] Application / Processing - Missing Document: Missing Lender's Initial 1003
625488363 XXX XXX XXX XXX XXX $XXX CA 11/XX/2007 8/XX/2007 Investment Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
625489114 XXX XXX XXX XXX XXX $XXX MA 2/XX/2009 12/XX/2008 Primary Refinance Rate/Term 2 B B B B [3] Government Documentation - Missing Document: FHA Case Number Assignment not 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
provided tests requiring an LTV were run off an assumed value of a contract sales price determine under disclosure due to missing itemization of amount financed.
[3] Government Documentation - Missing Document: FHA Mortgage Insurance or original loan amount, whichever applies.
Certificate not provided [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than
[3] Government Documentation - Missing Document: HUD/VA 92900-A not provided 0.125%: Truth In Lending Act: Final TIL APR of XX.XX% is underdisclosed from
calculated APR of XX.XX% outside of 0.125% tolerance.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625487961 XXX XXX XXX XXX XXX $XXX CA 11/XX/2005 10/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625488455 XXX XXX XXX XXX XXX $XXX AZ 9/XX/2005 5/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625488073 XXX XXX XXX XXX XXX $XXX MD 12/XX/2006 11/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure -
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625488019 XXX XXX XXX XXX XXX $XXX FL 9/XX/2006 8/XX/2006 Second Home Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required -
tests requiring an LTV were run off an assumed value of a contract sales price parties: TIL in file indicated to be final, expected funding date same as
or original loan amount, whichever applies. disbursement and/or note date but is not signed or dated by borrower so cannot
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: confirm that borrower received.
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 8/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625489376 XXX XXX XXX XXX XXX $XXX IL 7/XX/2005 6/XX/2005 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used
on Same Lender Refinance (Circuit 2, 3, 5, 7, 8, 9, 10 or DC): Truth in Lending
Act: Notice of Right to Cancel was not executed on the proper Model Form for a
refinancing by the same creditor. The H-8 form was used, the H-9 form should
have been used.
625489084 XXX XXX XXX XXX XXX $XXX MO 8/XX/2007 7/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 7/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625489033 XXX XXX XXX XXX XXX $XXX CA 6/XX/2005 5/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 5/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625489433 XXX XXX XXX XXX XXX $XXX WV 7/XX/2006 6/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 6/XX/2006 which is 1 month(s) prior to consummation. A 2 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
625489284 XXX XXX XXX XXX XXX $XXX NC 3/XX/2010 11/XX/2009 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
standard legal language. Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488441 XXX XXX XXX XXX XXX $XXX SC 2/XX/2009 1/XX/2009 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 1/XX/2009 which is 1 month(s) prior to consummation. A 3 month lookback
was used to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488865 XXX XXX XXX XXX XXX $XXX VA 12/XX/2007 11/XX/2007 Primary Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488007 XXX XXX XXX XXX XXX $XXX CA 1/XX/2009 11/XX/2008 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625488230 XXX XXX XXX XXX XXX $XXX LA 12/XX/2008 8/XX/2008 Investment Refinance Cash-out - Other 1 A A A A 1 A A A A -
625489382 XXX XXX XXX XXX XXX $XXX FL 10/XX/2007 8/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - Initial TIL not provided -
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488595 XXX XXX XXX XXX XXX $XXX MD 4/XX/2007 3/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Initial Loan Application Status Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 3/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
625489409 XXX XXX XXX XXX XXX $XXX FL 10/XX/2006 9/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated of amount financed did not break out origination fee; unable to determine
Finance Charge of $XXX in the amount of $XXX. under-disclosure of $XXX.
625489511 XXX XXX XXX XXX XXX $XXX AR 10/XX/2007 9/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
[3] Application / Processing - Missing Document: Missing Final 1003 ARM loan program disclosure not provided to the borrower.
[2] Closing / Title - Final Title Policy is missing. No evidence of title was [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
found in file. disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
[2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain provided to the borrower.
standard legal language. [2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489580 XXX XXX XXX XXX XXX $XXX PA 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - Initial TIL not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement determine under disclosure due to missing itemization of amount financed.
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489036 XXX XXX XXX XXX XXX $XXX VA 12/XX/2003 12/XX/2003 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Miscellaneous Compliance - Missing Document: Service Provider Disclosure not 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
provided disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2003 which is the consummation date. A 1 month lookback was used
to determine this application date.
625489220 XXX XXX XXX XXX XXX $XXX MD 7/XX/2007 6/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not provided 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance Federal Compliance - Notice of Right to Cancel Missing: Missing documentation to -
[3] Application / Processing - Missing Document: Missing Final 1003 tests requiring an LTV were run off an assumed value of a contract sales price determine the occupancy and purpose therefore compliance review defaulted to
or original loan amount, whichever applies. owner occupied/cash out refinance.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 6/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Closing / Title - TILA - Final TIL Missing
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488372 XXX XXX XXX XXX XXX $XXX AZ 12/XX/2007 11/XX/2007 Primary Refinance Cash-out - Other 3 C C C C [2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain 3 C C C C [3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than Tested TR Tested
standard legal language. final TIL signature date. notary/security instrument date.: HUD reflects a disbursement date of 12/XX/2007
[3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than however the notary date is 12/XX/2007.
notary/security instrument date.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure:
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 12/XX/2007, prior to three (3) business days from
transaction date of 12/XX/2007.
625488041 XXX XXX XXX XXX XXX $XXX FL 3/XX/2007 3/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488067 XXX XXX XXX XXX XXX $XXX CA 8/XX/2007 7/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
625489574 XXX XXX XXX XXX XXX $XXX MD 1/XX/2008 12/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
625488264 XXX XXX XXX XXX XXX $XXX CA 8/XX/2007 7/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2007 which is 1 month(s) prior to consummation. A 3 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 8/XX/2007, prior to three (3) business days from
transaction date of 8/XX/2007.
625488512 XXX XXX XXX XXX XXX $XXX WA 9/XX/2010 8/XX/2010 Primary Refinance Streamlined 2 B B B B [2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain 2 B B B B [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date -
standard legal language. Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Not Provided Within 3 Business Days of Application: RESPA Servicing
Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to
applicant within three (3) business days of application.
[2] State Compliance - Washington Residential Mortgage Loan (Disclosure of
Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not
contain a disclosure summary of all material terms provided to borrower.
625488972 XXX XXX XXX XXX XXX $XXX NY 7/XX/2007 6/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 6/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625489252 XXX XXX XXX XXX XXX $XXX CA 1/XX/2007 10/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
standard legal language. Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488646 XXX XXX XXX XXX XXX $XXX IL 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not provided 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Initial Loan Application Status Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback
was used to determine this application date.
[2] Miscellaneous Compliance - Initial TIL not provided
625489387 XXX XXX XXX XXX XXX $XXX SC 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - Initial TIL not provided -
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not
Provided): South Carolina Home Loan: Borrower not provided with a document
specifying the agency designated to receive complaints or inquiries about the
origination and making of the loan.
625488076 XXX XXX XXX XXX XXX $XXX FL 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 5/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
12/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated
Business Arrangement Disclosure to borrower.
625489022 XXX XXX XXX XXX XXX $XXX FL 12/XX/2000 10/XX/2000 Primary Purchase 1 A A A A 1 A A A A -
625489239 XXX XXX XXX XXX XXX $XXX GA 10/XX/2007 9/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 9/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
4/XX/2007.
625489273 XXX XXX XXX XXX XXX $XXX CO 8/XX/2004 7/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 Missing appraisal. 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
[3] Application / Processing - Missing Valuation: tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2004 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
2/XX/2004.
625487940 XXX XXX XXX XXX XXX $XXX NC 3/XX/1997 3/XX/1997 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 3/XX/1997 which is 0 months prior to consummation. A 2 month lookback
was used to determine this application date. The final date used for testing was
3/XX/1997.
625488524 XXX XXX XXX XXX XXX $XXX MS 3/XX/2007 3/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
625488205 XXX XXX XXX XXX XXX $XXX RI 7/XX/2004 6/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 6/XX/2004 which is 1 months prior to consummation. A 2 month lookback
was used to determine this application date. The final date used for testing was
6/XX/2004.
625488459 XXX XXX XXX XXX XXX $XXX PA 4/XX/2007 3/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 3/XX/2007 which is 1 months prior to consummation. A 2 month lookback
was used to determine this application date. The final date used for testing was
3/XX/2007.
625488773 XXX XXX XXX XXX XXX $XXX NY 12/XX/2005 11/XX/2005 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625489550 XXX XXX XXX XXX XXX $XXX NJ 9/XX/2004 8/XX/2004 Primary Refinance Rate/Term 3 C C C C [3] Application / Processing - Missing Document: Missing Final 1003 Missing appraisal from loan file. 3 C C C C [3] State Compliance - New Jersey Home Loan (Late Charge): New Jersey Home Loan: Late Charge
[3] Application / Processing - Missing Valuation: Mortgage loan contains an impermissible late charge of greater than 5.0% or a
grace period less than 15 days.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 8/XX/2004 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
3/XX/2004.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489617 XXX XXX XXX XXX XXX $XXX AZ 5/XX/2002 4/XX/2002 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2002 which is 1 months prior to consummation. A 3 month lookback
was used to determine this application date. The final date used for testing was
4/XX/2002.
625489602 XXX XXX XXX XXX XXX $XXX CT 2/XX/2007 1/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 1/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
8/XX/2006.
625488730 XXX XXX XXX XXX XXX $XXX NC 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 2/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
9/XX/2006.
625488603 XXX XXX XXX XXX XXX $XXX GA 7/XX/2007 7/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 7/XX/2007 which is 0 months prior to consummation. A 2 month lookback
was used to determine this application date. The final date used for testing was
7/XX/2007.
625488017 XXX XXX XXX XXX XXX $XXX GA 12/XX/2005 11/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 11/XX/2005 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
6/XX/2005.
625488361 XXX XXX XXX XXX XXX $XXX WI 2/XX/2007 1/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charges -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not under disclosed by $XXX which exceeds the $XXX tolerance for purchase
provided to the borrower. transactions. Unable to determine under disclosure due to missing itemization of
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In amount financed.
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489268 XXX XXX XXX XXX XXX $XXX OR 5/XX/2007 4/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
not contain the following clauses:: Homestead Exemption Waiver provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
11/XX/2006.
625488318 XXX XXX XXX XXX XXX $XXX VA 1/XX/2008 12/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
7/XX/2007.
[2] State Compliance - Virginia Mortgage Lender and Broker Act (Additional
Compensation Not on Written Agreement): Virginia Mortgage Lender and Broker Act:
Mortgage broker has received compensation from the borrower other than that
specified in the written agreement signed by the borrower.
625488682 XXX XXX XXX XXX XXX $XXX GA 5/XX/2007 4/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 4/XX/2007 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
11/XX/2006.
625489041 XXX XXX XXX XXX XXX $XXX RI 10/XX/2005 10/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Purchase Agreement / Sales 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Contract not provided Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488221 XXX XXX XXX XXX XXX $XXX AL 11/XX/2003 10/XX/2003 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
(MIC) not provided application date located in file. Compliance tests were run using an application
date of 10/XX/2003 which is 1 months prior to consummation. A 7 month lookback
was used to determine this application date. The final date used for testing was
5/XX/2003.
625488690 XXX XXX XXX XXX XXX $XXX MO 1/XX/2008 11/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488857 XXX XXX XXX XXX XXX $XXX FL 8/XX/2006 6/XX/2006 Primary Purchase 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
(MIC) not provided Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488383 XXX XXX XXX XXX XXX $XXX GA 11/XX/2008 10/XX/2008 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 10/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2008.
625488540 XXX XXX XXX XXX XXX $XXX IL 5/XX/2008 4/XX/2008 Primary Refinance Rate/Term 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
Certificate not provided application date located in file. Compliance tests were run using an application
[3] Application / Processing - Missing Document: Missing Final 1003 date of 04/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2008.
625489109 XXX XXX XXX XXX XXX $XXX NJ 2/XX/2006 2/XX/2006 Primary Purchase 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Certificate not provided Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488180 XXX XXX XXX XXX XXX $XXX VA 7/XX/2009 6/XX/2009 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 06/XX/2009 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2009.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488000 XXX XXX XXX XXX XXX $XXX CT 3/XX/2004 2/XX/2004 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
[3] Closing / Title - Title: Evidence of title is missing tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2003.
625489049 XXX XXX XXX XXX XXX $XXX CA 7/XX/2008 7/XX/2008 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625489577 XXX XXX XXX XXX XXX $XXX NY 9/XX/2005 8/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488624 XXX XXX XXX XXX XXX $XXX NM 5/XX/2005 4/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2004.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 05/XX/2005, prior to three (3) business days from
transaction date of 05/XX/2005.
625488391 XXX XXX XXX XXX XXX $XXX MO 10/XX/2004 9/XX/2004 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does Evidence of disbursement date not found in file. Security Instrument Notary Date
not contain the following clauses:: Homestead Exemption Waiver of 10/XX/2004 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 09/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2004.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488223 XXX XXX XXX XXX XXX $XXX CA 4/XX/2004 4/XX/2004 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. -
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488357 XXX XXX XXX XXX XXX $XXX MD 1/XX/2007 12/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of Closing / Title - Note Error: Note grace period days less than minimum per -
application date located in file. Compliance tests were run using an application state: Minimum grace period in MD is 15 days, note states 10 days.
date of 12/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2006.
[2] Closing / Title - Note Error: Note grace period days less than minimum per
state
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 01/XX/2007, prior to three (3) business days from
transaction date of 01/XX/2007.
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non
Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not
executed on the proper Model Form for a refinance by a creditor that is not
considered the original creditor. The H-9 form was used, the H-8 form should
have been used.
625488555 XXX XXX XXX XXX XXX $XXX LA 7/XX/2006 6/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure -
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2006.
625488447 XXX XXX XXX XXX XXX $XXX TX 9/XX/2001 8/XX/2001 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2001 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2001.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488069 XXX XXX XXX XXX XXX $XXX GA 10/XX/2006 8/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625489709 XXX XXX XXX XXX XXX $XXX IL 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488996 XXX XXX XXX XXX XXX $XXX NY 9/XX/2006 8/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance State Compliance - Note Error: Note late charge percentage exceeds maximum per -
[3] Closing / Title - Title: Evidence of title is missing tests requiring an LTV were run off an assumed value of a contract sales price state: Late charge of 4% exceeds maximum of 2% for the state of New York.
or original loan amount, whichever applies.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2006.
[2] State Compliance - Note Error: Note late charge percentage exceeds maximum
per state
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489272 XXX XXX XXX XXX XXX $XXX CA 5/XX/2006 4/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489593 XXX XXX XXX XXX XXX $XXX GA 5/XX/2006 4/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated -
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625487973 XXX XXX XXX XXX XXX $XXX NV 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625489141 XXX XXX XXX XXX XXX $XXX NY 4/XX/2007 2/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
625488066 XXX XXX XXX XXX XXX $XXX GA 11/XX/2005 10/XX/2005 Second Home Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2005.
625488420 XXX XXX XXX XXX XXX $XXX CA 10/XX/2005 10/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 10/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489271 XXX XXX XXX XXX XXX $XXX IL 3/XX/2006 2/XX/2006 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
with timing requirements due to missing Initial Loan Application Date. did not disclose 2 wire fees of $XXX as a prepaid finance charges
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 02/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489174 XXX XXX XXX XXX XXX $XXX IL 8/XX/2008 4/XX/2008 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated determine under disclosure due to missing Itemization of Amount Financed
Finance Charge of $XXX in the amount of $XXX.
625489314 XXX XXX XXX XXX XXX $XXX FL 6/XX/2007 5/XX/2007 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
625488988 XXX XXX XXX XXX XXX $XXX NH 9/XX/2004 9/XX/2004 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. -
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488647 XXX XXX XXX XXX XXX $XXX LA 9/XX/2007 8/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does application date located in file. Compliance tests were run using an application
not contain the following clauses:: Homestead Exemption Waiver date of 08/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2007.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 09/XX/2007, prior to three (3) business days from
transaction date of 09/XX/2007.
625489142 XXX XXX XXX XXX XXX $XXX MT 5/XX/2006 5/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 -
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 05/XX/2006, prior to three (3) business days from
transaction date of 05/XX/2006.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488399 XXX XXX XXX XXX XXX $XXX FL 9/XX/2006 8/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2006.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 09/XX/2006, prior to three (3) business days from
transaction date of 09/XX/2006.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625489586 XXX XXX XXX XXX XXX $XXX IL 12/XX/2004 8/XX/2004 Primary Purchase 1 A A A A 1 A A A A -
625487992 XXX XXX XXX XXX XXX $XXX IL 6/XX/2004 5/XX/2004 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 05/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2004.
625489115 XXX XXX XXX XXX XXX $XXX PA 7/XX/2003 6/XX/2003 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does application date located in file. Compliance tests were run using an application
not contain the following clauses:: Homestead Exemption Waiver date of 06/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2003.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625489055 XXX XXX XXX XXX XXX $XXX GA 1/XX/2007 12/XX/2006 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2006.
625488217 XXX XXX XXX XXX XXX $XXX NV 7/XX/2007 6/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2007.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489452 XXX XXX XXX XXX XXX $XXX VA 8/XX/2006 6/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488332 XXX XXX XXX XXX XXX $XXX PA 8/XX/2008 6/XX/2008 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
625488724 XXX XXX XXX XXX XXX $XXX FL 7/XX/2005 6/XX/2005 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2005.
625488143 XXX XXX XXX XXX XXX $XXX CA 6/XX/2007 5/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 05/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488482 XXX XXX XXX XXX XXX $XXX WA 10/XX/2006 9/XX/2006 Second Home Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 09/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489311 XXX XXX XXX XXX XXX $XXX KY 7/XX/2004 6/XX/2004 Primary Refinance Rate/Term 1 A A A A 1 A A A A -
625489180 XXX XXX XXX XXX XXX $XXX MO 8/XX/2006 7/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 02/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625489642 XXX XXX XXX XXX XXX $XXX IL 8/XX/2007 7/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 07/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2007.
625488667 XXX XXX XXX XXX XXX $XXX IL 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
ARM loan program disclosure not provided to the borrower within three (3) days determine under disclosure due to missing itemization of amount financed.
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488273 XXX XXX XXX XXX XXX $XXX IL 6/XX/2005 6/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated determine the under disclosure due to missing the Itemization of Amount
Finance Charge of $XXX in the amount of $XXX. Financed.
625489534 XXX XXX XXX XXX XXX $XXX FL 3/XX/2004 2/XX/2004 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: No TNR Testing Not Required
Missing Final HUD-1. No document containing fees provided. Any applicable
Federal, State or Local compliance testing is unreliable.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence
of application date located in file. Compliance tests were run using an
application date of 02/XX/2004 which is 1 months prior to consummation. A
lookback was performed to determine this application date. The final date used
for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees
were used in testing.
625487925 XXX XXX XXX XXX XXX $XXX NJ 6/XX/2007 5/XX/2007 Investment Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure -
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 05/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 12/XX/2006.
625488384 XXX XXX XXX XXX XXX $XXX IL 11/XX/2006 10/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 Appraisal not porvided 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
[3] Application / Processing - Missing Valuation: Evidence of disbursement date not found in file. Security Instrument Notary Date
[2] Closing / Title - Final Title Policy is missing. No evidence of title was of 11/XX/2006 used as disbursement date for compliance testing.
found in file. [2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2006.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489328 XXX XXX XXX XXX XXX $XXX OH 8/XX/2007 7/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
[3] Closing / Title - Title: Evidence of title is missing Evidence of disbursement date not found in file. Security Instrument Notary Date
of 08/XX/2007 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 02/XX/2007.
[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of
Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio
Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan
Information Document not retained by lender.
[2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not
Verified): Unable to test Ability to Repay due to missing information.
[2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not
Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the
required Closing Disclosure.
[2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales
Practices Act: Unable to determine if mortgage loan refinanced has a tangible
net benefit to the borrower due to missing prior loan information.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488645 XXX XXX XXX XXX XXX $XXX IL 10/XX/2007 9/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
[3] Closing / Title - Title: Evidence of title is missing Evidence of disbursement date not found in file. Security Instrument Notary Date
of 10/XX/2007 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 09/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2007.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625488289 XXX XXX XXX XXX XXX $XXX AR 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 12/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2005.
625487997 XXX XXX XXX XXX XXX $XXX OH 2/XX/2005 2/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488118 XXX XXX XXX XXX XXX $XXX NY 8/XX/2005 7/XX/2005 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 08/XX/2005, prior to three (3) business days from
transaction date of 08/XX/2005.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625489008 XXX XXX XXX XXX XXX $XXX MA 3/XX/2005 2/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not Evidence of disbursement date not found in file. Note Date of 03/XX/2005 used as
provided disbursement date for compliance testing.
[2] Closing / Title - Final Title Policy is missing. No evidence of title was [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
found in file. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2004.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before
Consummation: Truth in Lending Act: Final TIL was not provided to the borrower
by closing.
625488974 XXX XXX XXX XXX XXX $XXX CA 2/XX/2007 1/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 01/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/2006.
625488737 XXX XXX XXX XXX XXX $XXX FL 11/XX/2006 10/XX/2006 Primary Purchase 2 B B B B [2] Closing / Title - Final Title Policy is missing. No evidence of title was 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
found in file. application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2006.
625489658 XXX XXX XXX XXX XXX $XXX FL 2/XX/2007 1/XX/2007 Investment Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 01/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2007.
625488989 XXX XXX XXX XXX XXX $XXX MD 4/XX/2007 2/XX/2007 Primary Refinance Cash-out - Debt Consolidation 1 A A A A [3] Application / Processing - Missing Valuation: Appraisal not provided 1 A A A A -
625489283 XXX XXX XXX XXX XXX $XXX CA 1/XX/1997 1/XX/1997 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not did not disclose the closing fee of $XXX as a prepaid finance charge.
provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488032 XXX XXX XXX XXX XXX $XXX UT 9/XX/1998 8/XX/1998 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 Appraisal not provided 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
[3] Application / Processing - Missing Valuation: with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 08/XX/1998 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/1998.
625489373 XXX XXX XXX XXX XXX $XXX RI 1/XX/2007 12/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of State Compliance - Note Error: Note late charge percentage exceeds maximum per -
[3] Application / Processing - Missing Valuation: application date located in file. Compliance tests were run using an application state: Maximum late charge for RI is 3% - note states 6%.
date of 12/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2006.
[2] State Compliance - Note Error: Note late charge percentage exceeds maximum
per state
625488343 XXX XXX XXX XXX XXX $XXX KY 9/XX/2005 7/XX/2005 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement -
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
625488723 XXX XXX XXX XXX XXX $XXX NY 7/XX/2006 6/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 06/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2006.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488915 XXX XXX XXX XXX XXX $XXX NC 1/XX/2010 12/XX/2009 Primary Refinance Rate/Term 2 B B B B [3] Government Documentation - Missing Document: FHA Mortgage Insurance 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
Certificate not provided application date located in file. Compliance tests were run using an application
date of 12/XX/2009 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2009.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business
Days of Application: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
625488863 XXX XXX XXX XXX XXX $XXX IL 11/XX/2004 11/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625489427 XXX XXX XXX XXX XXX $XXX MD 5/XX/2008 4/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2007.
625489684 XXX XXX XXX XXX XXX $XXX MI 6/XX/2008 6/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill -
of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act:
Borrower Bill of Rights disclosure not provided to borrower.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling
Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution
and Home Ownership Counseling Notice not provided to borrower.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling
Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved
credit counseling agencies not provided to borrower.
625489488 XXX XXX XXX XXX XXX $XXX MS 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 12/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/2005.
625489637 XXX XXX XXX XXX XXX $XXX MI 4/XX/2002 3/XX/2002 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 03/XX/2002 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2001.
625489204 XXX XXX XXX XXX XXX $XXX MO 6/XX/2006 6/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488576 XXX XXX XXX XXX XXX $XXX WA 7/XX/2003 6/XX/2003 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's TIL -
application date located in file. Compliance tests were run using an application reflects MI dropping off after 83 months, however, the audited TIL indicates MI
date of 06/XX/2003 which is 1 months prior to consummation. A lookback was should drop off after 84 months.
performed to determine this application date. The final date used for testing
was 01/XX/2003.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488157 XXX XXX XXX XXX XXX $XXX FL 4/XX/2005 1/XX/2005 Primary Construction-Permanent 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488300 XXX XXX XXX XXX XXX $XXX IN 8/XX/2003 7/XX/2003 Primary Purchase 1 A A A A [3] Government Documentation - Missing Document: FHA Mortgage Insurance 1 A A A A -
Certificate not provided
625489061 XXX XXX XXX XXX XXX $XXX AL 7/XX/2007 7/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 07/XX/2007 which is 0 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2007.
625489647 XXX XXX XXX XXX XXX $XXX NY 6/XX/2007 5/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 05/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488321 XXX XXX XXX XXX XXX $XXX CA 7/XX/2007 6/XX/2007 Primary Refinance Rate/Term 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Yes TR HUD Deficiency
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any Fee Testing: Truth in Lending Act (HOEPA): APR of XX.XX% does not exceed a
applicable Federal, State or Local compliance testing. threshold of 12.88000% based on the US Treasury for comparable maturities of
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance 4.88000% plus jurisdiction allowable margin of 8.00000%.
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 06/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 01/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488669 XXX XXX XXX XXX XXX $XXX KY 12/XX/2007 11/XX/2007 Primary Purchase 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
(MIC) not provided application date located in file. Compliance tests were run using an application
date of 11/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 06/XX/2007.
625488931 XXX XXX XXX XXX XXX $XXX NJ 12/XX/2006 8/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488351 XXX XXX XXX XXX XXX $XXX NC 9/XX/2007 8/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488440 XXX XXX XXX XXX XXX $XXX OK 12/XX/2005 12/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: -
Creditor did not provide FACTA Credit Score Disclosure. Unable to determine under disclosure due to missing itemization of amount
[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than financed.
0.125%: Truth In Lending Act: Final TIL APR of XX.XX% is underdisclosed from Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to
calculated APR of XX.XX% outside of 0.125% tolerance. determine under disclosure due to missing itemization of amount financed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488715 XXX XXX XXX XXX XXX $XXX FL 2/XX/2007 1/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 01/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/2006.
625488584 XXX XXX XXX XXX XXX $XXX MD 6/XX/2007 5/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 05/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2007.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488296 XXX XXX XXX XXX XXX $XXX NY 4/XX/2007 3/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
625488027 XXX XXX XXX XXX XXX $XXX NC 8/XX/2007 7/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488978 XXX XXX XXX XXX XXX $XXX KS 3/XX/2005 2/XX/2005 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 03/XX/2005 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending
Act (HELOC): HELOC Brochure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2005 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2004.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 03/XX/2005, prior to three (3) business days from
transaction date of 03/XX/2005.
625489135 XXX XXX XXX XXX XXX $XXX GA 11/XX/2009 11/XX/2009 Primary Purchase 1 A A A A 1 A A A A -
625488950 XXX XXX XXX XXX XXX $XXX SC 10/XX/1998 9/XX/1998 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Lender did not -
ARM loan program disclosure not provided to the borrower. include the $XXX attorney fee as a prepaid finance charge.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 09/XX/1998 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/1998.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489059 XXX XXX XXX XXX XXX $XXX PA 7/XX/2001 7/XX/2001 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Miscellaneous Compliance - Initial TIL not provided -
625489184 XXX XXX XXX XXX XXX $XXX FL 5/XX/2007 4/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488443 XXX XXX XXX XXX XXX $XXX RI 7/XX/2007 7/XX/2007 Primary Refinance Cash-out - Other 3 C C C C 3 C C C C [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to SELLER - GENERAL COMMENT (2017/XX/12): Non-material - Opus response agrees that GENERAL COMMENT (2017/XX/12): Non-material - Opus response agrees that RI State - NC
Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: determine the reason for under-disclosure. There was no itemization of amount RI disclosures are missing from file. However, per attorney opine and market disclosures are missing from file. However, per attorney opine and market
Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not financed provided with the documentation. standard, this is not a material issue unless loan is HC (which this loan is standard, this is not a material issue unless loan is HC (which this loan is
provided. not) not)
[3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): REVIEWER - GENERAL COMMENT (2017/XX/12): AMC has previously discussed with
Rhode Island Home Loan: Loan file did not contain record(s) documenting outside counsel the grading of RI home loans who has advised that provisions of
high-cost home loan analysis. the RI Act provide for potential rescission or barring of foreclosure of the
[3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices loan which obviously could impact assignees. As a result, AMC grades RI home
Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: loan violations as EV3s.
Prohibited Acts and Practices Regarding Home Loans disclosure not provided.
[3] State Compliance - Rhode Island Home Loan (Tangible Net Benefit Disclosure
Not Provided): Rhode Island Home Loan: Tangible Net Benefit Disclosure not
provided to borrower for refinance within 60 months.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488089 XXX XXX XXX XXX XXX $XXX FL 3/XX/2006 2/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance -
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 02/XX/2006.
625488207 XXX XXX XXX XXX XXX $XXX FL 6/XX/1999 6/XX/1999 Second Home Purchase 1 A A A A [3] Application / Processing - Missing Document: Missing Final 1003 1 A A A A -
625489678 XXX XXX XXX XXX XXX $XXX MD 11/XX/2007 10/XX/2007 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 10/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2007.
625489641 XXX XXX XXX XXX XXX $XXX TX 12/XX/2006 11/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 11/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2006.
625489552 XXX XXX XXX XXX XXX $XXX IN 11/XX/2003 10/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2003 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2003.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488995 XXX XXX XXX XXX XXX $XXX WA 7/XX/2003 4/XX/2003 Primary Refinance Cash-out - Debt Consolidation 1 A A A A 1 A A A A -
625488860 XXX XXX XXX XXX XXX $XXX CT 12/XX/2010 12/XX/2010 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not
provided to Borrower(s).
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
RESPA: Initial escrow account statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide
Servicing Disclosure Statement.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing:
Missing Final TIL Signature Date. Unable to determine compliance with rescission
timing requirements.
[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act
(Early TIL Disclosure): Initial TIL was not provided to the borrower.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
625488428 XXX XXX XXX XXX XXX $XXX CA 5/XX/2006 4/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 04/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2005.
625488799 XXX XXX XXX XXX XXX $XXX NJ 7/XX/2007 6/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 06/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 06/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488515 XXX XXX XXX XXX XXX $XXX CA 10/XX/2004 9/XX/2004 Investment Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 09/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2004.
625489413 XXX XXX XXX XXX XXX $XXX RI 3/XX/2006 3/XX/2006 Investment Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488257 XXX XXX XXX XXX XXX $XXX NV 12/XX/2004 11/XX/2004 Primary Refinance Cash-out - Other 1 A A A A 1 A A A A -
625488225 XXX XXX XXX XXX XXX $XXX CA 4/XX/2009 4/XX/2009 Primary Refinance Rate/Term 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
625488367 XXX XXX XXX XXX XXX $XXX NJ 8/XX/2006 8/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
625488741 XXX XXX XXX XXX XXX $XXX CA 12/XX/2005 12/XX/2005 Investment Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance -
[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not tests requiring an LTV were run off an assumed value of a contract sales price
provided or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA
Credit Score Disclosure was provided due to missing information.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
625489090 XXX XXX XXX XXX XXX $XXX NC 8/XX/2006 7/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 07/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 02/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488933 XXX XXX XXX XXX XXX $XXX WV 8/XX/2010 7/XX/2010 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
(2010): 10% tolerance violation without evidence of sufficient cure provided. determine under disclosure due to missing itemization of amount financed.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing:
RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625489477 XXX XXX XXX XXX XXX $XXX MD 8/XX/2011 7/XX/2011 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
ARM loan program disclosure not provided to the borrower. determine under disclosure due to missing itemization of amount financed.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland
HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net
Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net
Tangible Benefit Worksheet not provided to borrower.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date
Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business
day availability for estimate of charges and terms for all other settlement
charges.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
Unable to determine if the initial escrow account statement is compliant based
on missing information.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA
2011): The "Maximum First Five Years" date on the Final TIL does not match the
date on which the first regular periodic payment will be due and the earliest
date on which that rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): The
"Maximum First Five Years" interest rate on the Final TIL does not match the
maximum interest rate that may apply during the first five (5) years of the
loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years P&I Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum
First Five Years" P&I payment on the Final TIL does not match the maximum
principal and interest payment on the loan during the first five (5) years of
the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In
First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011):
The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does
not match the maximum total payment on the loan during the first five (5) years
for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever
Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever"
date on the Final TIL does not match the earliest date on which the maximum rate
may apply.
625488606 XXX XXX XXX XXX XXX $XXX OH 5/XX/2000 4/XX/2000 UTD Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: No TNR Testing Not Required
Missing Final HUD-1. No document containing fees provided. Any applicable
Federal, State or Local compliance testing is unreliable.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure:
ARM loan program disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing:
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 05/XX/2000 used as disbursement date for compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance
tests requiring an LTV were run off an assumed value of a contract sales price
or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence
of application date located in file. Compliance tests were run using an
application date of 04/XX/2000 which is 1 months prior to consummation. A
lookback was performed to determine this application date. The final date used
for testing was 11/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees
were used in testing.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results
were generated using a defaulted value of Primary.
625488572 XXX XXX XXX XXX XXX $XXX NY 11/XX/2006 10/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance State Compliance - New York Late Charge Percent Testing: Late charge not -
tests requiring an LTV were run off an assumed value of a contract sales price permitted. 2% late charge maximum per state (NY) - Note states 5%.
or original loan amount, whichever applies.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule:
Creditor did not provide FACTA Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 10/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 05/XX/2006.
[2] State Compliance - New York Late Charge Percent Testing: Note late charge
exceeds maximum per state.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending
Act: Notice of Right to Cancel was not provided.
625489338 XXX XXX XXX XXX XXX $XXX VT 1/XX/2007 12/XX/2006 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: -
Evidence of disbursement date not found in file. Security Instrument Notary Date
of 01/XX/2007 used as disbursement date for compliance testing.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 01/XX/2007, prior to three (3) business days from
transaction date of 01/XX/2007.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488985 XXX XXX XXX XXX XXX $XXX CA 11/XX/2006 10/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: -
Creditor did not provide FACTA Credit Score Disclosure.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all
required parties
625488119 XXX XXX XXX XXX XXX $XXX MA 5/XX/2007 4/XX/2007 Second Home Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Federal Compliance - Federal FACTA Disclosure Timing Test: The FACTA was sent SELLER - GENERAL COMMENT (2018/XX/06): If we have records to show loan in GENERAL COMMENT (2018/XX/06): If we have records to show loan in borrower's -
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably out on 05/XX/2007. borrower's interest, ok interest, ok
practicable time after using credit score. REVIEWER - GENERAL COMMENT (2018/XX/06): Final 1003 reflects consolidating a 1st
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided & 2nd mortgage with payments of $XXX and $XXX into a new 1st and 2nd with
[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible payments of $XXX and $XXX, however comparing the information on the 1003 to the
Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan preliminary title and the credit report it appears that the payments listed on
file of document or worksheet indicating how the lender determined that the home the 1003 for the Present expenses on the subject property are not the correct
loan is in the borrower's interest. mortgages. The actual existing 1st and 2nd lien payments are $XXX and $XXX
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of however unable to determine if the 1st lien $XXX payment is P&I only or if that
application date located in file. Compliance tests were run using an application amount includes monthly escrows. If this is a P&I payment only, then monthly
date of 04/XX/2007 which is 1 months prior to consummation. A lookback was savings are $XXX, but if this amount is the escrowed payment then we cannot
performed to determine this application date. The final date used for testing determine what, if any, payment reduction there is without additional
was 04/XX/2007. documentation showing the P&I payment.
Original credit report shows no reduction in loan term, and unable to determine
if refinancing out of an IO, ARM, or balloon loan or if refinance is reducing
the interest rate which would also be considered a benefit.
There is a Statement of Borrower's Benefits listing a number of possible
benefits, however none of the options have been checked to indicate that they
apply and the borrower signature/date is blank.
Unclear if a TNB existed based on documentation available.
Rescindable transaction so 3 year SOL expired on this 05/XX/2010.
625488779 XXX XXX XXX XXX XXX $XXX FL 2/XX/2008 1/XX/2008 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to No TNR Testing Not Required
For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any determine under disclosure due to missing Itemization of Amount Financed
applicable Federal, State or Local compliance testing.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625488904 XXX XXX XXX XXX XXX $XXX PA 4/XX/2008 3/XX/2008 Primary Refinance Cash-out - Other 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Federal Compliance - Federal FACTA Disclosure Timing Test: Audit verified -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does Evidence of disbursement date not found in file. Security Instrument Notary Date information per FACTA form in file.
not contain the following clauses:: Homestead Exemption Waiver of 04/XX/2008 used as disbursement date for compliance testing.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure
Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably
practicable time after using credit score.
[2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided
Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided
to borrower at time of account opening.
[2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable
to determine compliance with timing requirements due to missing Initial Loan
Application Date.
[2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided
Timely: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 03/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2007.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 04/XX/2008, prior to three (3) business days from
transaction date of 04/XX/2008.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - G-5 Used
on Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was
not executed on the proper Model Form for a refinancing by the same creditor.
The G-5 form was used, the G-7 frm should have been used.
625488151 XXX XXX XXX XXX XXX $XXX TX 2/XX/2002 1/XX/2002 Primary Refinance Rate/Term 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 01/XX/2002 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 08/XX/2001.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing:
Missing Final TIL Signature Date. Unable to determine compliance with rescission
timing requirements.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
625488349 XXX XXX XXX XXX XXX $XXX TN 9/XX/2006 8/XX/2006 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 08/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2006.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file
had markings indicating one or more entries are estimates.
625488376 XXX XXX XXX XXX XXX $XXX NC 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided State Compliance - North Carolina First Lien Late Charge Percent Testing: 5% -
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of late charge exceeds 4% maximum per state (NC)
application date located in file. Compliance tests were run using an application
date of 04/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2005.
[2] State Compliance - North Carolina First Lien Late Charge Percent Testing:
Note late charge exceeds maximum per state.
625489616 XXX XXX XXX XXX XXX $XXX GA 2/XX/2008 1/XX/2008 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Federal Compliance - Federal FACTA Disclosure Timing Test: N/A SELLER - GENERAL COMMENT (2018/XX/06): Does arbitration clause void whole GENERAL COMMENT (2018/XX/06): Does arbitration clause void whole mortgage? If it -
[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably mortgage? If it can be severed, ok. can be severed, ok.
not contain the following clauses:: Homestead Exemption Waiver practicable time after using credit score. REVIEWER - GENERAL COMMENT (2018/XX/06): Whole mortgage is not void but
[2] State Compliance - Georgia Home Loan (Arbitration Clause): Georgia Home arbitration clause is deemed unconscionable and void. SOL for GAFLA home loan
Loan: Mortgage loan contains an unfair or oppressive arbitration clause. violations outside of blackout period is 5 years from first payment date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure
Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to
applicant within three (3) business days of application.
[2] Federal Compliance - Right of Rescission Timing - Note Date used as
Transaction Date: Unable to conclusively determine date of consummation. Note
date used as transaction date for purposes of determining compliance with
rescission timing requirements
625488047 XXX XXX XXX XXX XXX $XXX IN 9/XX/2004 8/XX/2004 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 08/XX/2004 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 03/XX/2004.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625488549 XXX XXX XXX XXX XXX $XXX NY 10/XX/2003 9/XX/2003 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of did not disclose a commitment fee of $XXX a flood cert fee of $XXX or a
application date located in file. Compliance tests were run using an application disbursement fee of $XXX and underdisclosed the settlement fee by $XXX as
date of 09/XX/2003 which is 1 months prior to consummation. A lookback was prepaid finance charges
performed to determine this application date. The final date used for testing
was 04/XX/2003.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489664 XXX XXX XXX XXX XXX $XXX FL 1/XX/2007 1/XX/2007 Investment Refinance Rate/Term 1 A A A A 1 A A A A -
625488154 XXX XXX XXX XXX XXX $XXX CT 3/XX/2007 3/XX/2007 Primary Refinance Rate/Term 1 A A A A 1 A A A A -
625489222 XXX XXX XXX XXX XXX $XXX GA 8/XX/2006 7/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization -
ARM loan program disclosure does not match terms of loan. did not disclose an aattorney fee of $XXX or a post closing fee of $XXX as
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance prepaid finance charges
with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine
compliance with timing requirements due to missing Initial Loan Application
Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 07/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 07/XX/2006.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In
Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated
Finance Charge of $XXX in the amount of $XXX.
625489151 XXX XXX XXX XXX XXX $XXX FL 10/XX/2007 9/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
625489201 XXX XXX XXX XXX XXX $XXX DE 4/XX/2008 3/XX/2008 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 03/XX/2008 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 10/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Disclosure Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan
Application Date.
625487978 XXX XXX XXX XXX XXX $XXX DE 3/XX/2007 3/XX/2007 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated -
Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain
signature on Affiliated Business Arrangement Disclosure.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3
Business Days From Transaction Date: Truth in Lending Act: Subject loan
transaction disbursed on 03/XX/2007, prior to three (3) business days from
transaction date of 03/XX/2007.
625488112 XXX XXX XXX XXX XXX $XXX AZ 5/XX/2004 3/XX/2004 Primary Purchase 1 A A A A [3] Application / Processing - Missing Document: Missing Final 1003 1 A A A A -
625489679 XXX XXX XXX XXX XXX $XXX OR 12/XX/2003 11/XX/2003 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: -
ARM loan program disclosure not provided to the borrower within three (3) days
of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
625489557 XXX XXX XXX XXX XXX $XXX TN 5/XX/2006 4/XX/2006 Primary Refinance Cash-out - Other 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate -
disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not
provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 04/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 11/XX/2005.
625488795 XXX XXX XXX XXX XXX $XXX TX 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of -
application date located in file. Compliance tests were run using an application
date of 04/XX/2006 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 04/XX/2006.
625488600 XXX XXX XXX XXX XXX $XXX NY 10/XX/2007 9/XX/2007 Primary Refinance Cash-out - Other 2 B B B B [3] Government Documentation - Missing Document: FHA Case Number Assignment not 2 B B B B [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # -
provided Assignment Date missing. Creditor application date used as FHA case # assignment
[3] Government Documentation - Missing Document: FHA Mortgage Insurance date for purposes of any applicable compliance testing.
Certificate not provided
625488130 XXX XXX XXX XXX XXX $XXX CT 9/XX/2007 9/XX/2007 Primary Refinance Cash-out - Debt Consolidation 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Right of Rescission Timing - Note Date used as -
Transaction Date: Unable to conclusively determine date of consummation. Note
date used as transaction date for purposes of determining compliance with
rescission timing requirements
625487945 XXX XXX XXX XXX XXX $XXX OH 3/XX/2007 2/XX/2007 UTD Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Miscellaneous Compliance - Initial TIL not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of
application date located in file. Compliance tests were run using an application
date of 02/XX/2007 which is 1 months prior to consummation. A lookback was
performed to determine this application date. The final date used for testing
was 09/XX/2006.
[2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not
Verified): Ohio Consumer Sales Practices Act: Borrower’