Unique ID

Loan Id

Overall Event

Final Credit Event

Credit Exceptions

Credit Comments

Final Compliance Event

Compliance Exceptions

Compliance Comments

Eligible For Predatory Testing - Unable to Test

Compliance Comp Factors

Purpose at origination

Occupancy at origination

LTV Original (Calculated)

LTV Combined Orig (Calculated)

Debt (Back) Ratio From 1008

625488702

XXX

3

2

[2]   Manufactured (Double-Wide)

 

3

[3]   Finance Charge underdisclosed >$35 for Refinance
[2]   Affiliated Business Doc Missing
[2]   Initial GFE Missing
[2]   Initial TIL Missing

Finance charges under disclosed by $145.76 which exceeds the $35.00 tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing itemization of amount financed.

 

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

Cashout Refi

Owner Occ

XXX

XXX

55.313

625489010

XXX

3

3

[3]   Missing Initial Application

 

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
[2]   Initial GFE Date not within 3 days of Initial Application Date
[2]   Initial TIL Missing

 

 

 

Cashout Refi

Owner Occ

XXX

XXX

31.04