Client Project Name:  

SEMT 2026-S1  

Start - End Dates:

8/18/2026 - 9/17/2026

Deal Loan Count:

686

Conditions Report 2.0

Loans in Report:

686

Loans with Conditions:

686

0 - Total Active Conditions

829 - Total Satisfied Conditions

814 - Compliance Review Scope

3 - Category: Compliance Manual

6 - Category: Documentation

686 - Category: SFA Seasoned

9 - Category: Texas Home Equity

110 - Category: TILA/RESPA Integrated Disclosure

330 - Total Waived Conditions

314 - Compliance Review Scope

3 - Category: Compliance Manual

2 - Category: Documentation

1 - Category: Federal Consumer Protection

4 - Category: Finance Charge Tolerance

34 - Category: RESPA

19 - Category: Right of Rescission

1 - Category: Texas Home Equity

250 - Category: TILA/RESPA Integrated Disclosure

 

 

 

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Project Name:  

SEMT 2026-S1

Start - End Dates:

8/18/2026 - 9/17/2026

Deal Loan Count:

686

Conditions Report 2.0

Loans in Report:

686

Loans with Conditions:   

686

Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

409063153

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval and clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063153

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $XXX  due to addition of Inspection Fee  $XXX , on initial CD dated as XXX  Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063154

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledges ABD disclosure missing.

Final grade B

(No Data)

Not Applicable

409063154

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063155

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Initial and final; grade B

(No Data)

Not Applicable

409063155

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063155

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

(No Data)

Numeric

Not Applicable

409063156

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063156

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

Texas Home Equity

Waived

B

B

B

B

CMPTXHE308

Voluntary Same-Lender Debt disclosure not provided to borrower

No

Missing voluntary same lender debt disclosure.

09/21/26 Client provided an approved exception for the missing voluntary same lender debt disclosure.

Initial and Final Grade B.

(No Data)

Not Applicable

409063157

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final grade B

(No Data)

Not Applicable

409063157

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063158

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063159

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063160

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final grade B

(No Data)

Not Applicable

409063160

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063160

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

(No Data)

Numeric

Not Applicable

409063161

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final grade B

(No Data)

Not Applicable

409063161

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063161

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD in file.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063161

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063162

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063163

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledge missing ABD.

Final grade B

(No Data)

Not Applicable

409063163

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063163

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $XXX due to transfer tax increased from Initial LE to Final CD.  Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063165

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063165

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063165

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $XXX  due to increase in Appraisal Fee on CD XXX  Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower.

XXX Client provided a Memo showing an approved $XXX  payable to the Borrower. Condition remains. Provide the $XXX  check, PCCD with cure, LOE and proof of delivery with tracking.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063165

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3971

TRID - CD: Either both options or neither option was checked for the Liability after Foreclosure topic in the CD Other Disclosures section

No

Final CD XXX  - Neither option was checked for the Liability after Foreclosure topic in the CD Other Disclosures Section. Cure via LOE to borrower and corrected PCCD.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Non-Numeric

Not Applicable

409063166

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval and clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063167

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing in the file.

Client acknowledged missing ABD.

Final grade B

(No Data)

Not Applicable

409063167

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063168

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide required lenders Affiliate Business Disclosure

Client acknowledge missing ABD.

Final grade B

(No Data)

Not Applicable

409063168

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063169

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing in the file.

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063169

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063169

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063170

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063170

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063170

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Earliest CD in file was issued on XXX ; Change of Product or Product Feature not disclosed at least XXX business days prior to closing date of XXX

XXX Client provided the following Sellers rebuttal: This loan closed on XXX . The Pre-CD/Initial CD was printed and acknowledged on XXX  We count Saturdays as business days so that would be XXX  business days. Condition remains. The Initial XXX  CD was not acknowledged. Provide the missing acknowledgment of receipt for re-testing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063170

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Earliest CD in file was issued on XXX ; Loan consummated before end of waiting period; closing date was XXX .

XXX  Client provided the following Sellers rebuttal: This loan closed on XXX . The Pre-CD/Initial CD was printed and acknowledged on XXX  We count Saturdays as business days so that would be XXX business days. Condition remains. The Initial XXX CD was not acknowledged. Provide the missing acknowledgment of receipt for re-testing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063171

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

 Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063171

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063171

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Earliest CD in file was issued on XXX and Closing Date was XXX ; Change of Product or Product Feature not disclosed at least XXX business days prior to closing

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063171

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Earliest CD in file was issued on XXX  and Closing Date was XXX ; Loan consummated before end of waiting period

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063172

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063172

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063173

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063173

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063173

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Earliest CD in file was issued on XXX  and Closing Date was XXX ; Change of Product or Product Feature not disclosed at least XXX  business days prior to closing

XXX  Client provided an Email response from Seller stating the Initial CD was disclosed and acknowledged on XXX  and they count Saturday as a business day. Re-testing still results in a violation, as the file does not contain any acknowledgment of the XXX  Initial CD. Provide the missing acknowledgment of receipt for further testing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063173

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Earliest CD in file was issued on XXX  and Closing Date was XXX ; Loan consummated before end of waiting period

XXX Client provided an Email response from Seller stating the Initial CD was disclosed and acknowledged on XXX  and they count Saturday as a business day. Re-testing still results in a violation, as the file does not contain any acknowledgment of theXXX  Initial CD. Provide the missing acknowledgment of receipt for further testing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063174

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval and clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063174

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

CD: XXX -1, Date delivered XXX  and CD: XXX -2 [Last CD] Confirmed receipt date is XXX .Not disclosed at least XXX business days prior to closing.

XXX  Client provided a duplicate copy of an incomplete, draft CD. Condition remains. Closing Date is XXX . Provide the missing Initial CD with confirmation of receipt at least XXX  business days prior to Closing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063174

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Earliest CD in file was issued on XXX and Closing Date was XXX ; Loan consummated before end of waiting period

XXX Client provided a duplicate copy of an incomplete, draft CD. Condition remains. Closing Date is XXX  Provide the missing Initial CD with confirmation of receipt at least XXX  business days prior to Closing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063175

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063175

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063176

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063177

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063177

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD

XXX  Client provided the missing XXX  Initial CD and Tracking Summary.

Condition Satisfied.

(No Data)

Not Applicable

409063177

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD XXX  is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.

XXX Client provided the missing XXX  Initial CD and Tracking Summary.

Condition Satisfied.

(No Data)

Not Applicable

409063177

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID5095

TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures

No

Final CD XXX: TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures; Escrow Waiver Fee Amount, value is blank.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Numeric

Not Applicable

409063178

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final grade B

(No Data)

Not Applicable

409063178

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063179

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063179

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063179

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063180

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Affiliated Business Disclosure

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063180

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063181

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063182

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval and clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063184

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063184

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.

Numeric

Not Applicable

409063185

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063185

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063186

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

Client acknowledged missing ABD.

Final Grade B

(No Data)

Not Applicable

409063186

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063187

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063187

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $XXX  due to Lock Extension Fee to CD-XXX . Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063188

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063189

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063190

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063191

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063192

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

Condition satisfied

Not Applicable

Not Applicable

409063193

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063194

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063195

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063195

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Final LE XXX  is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule.

XXX  Client provided a screen print of LE XXX Disclosure history reflecting LE received XXX.  Condition remains. Earliest closing date XXX, loan closed XXX.  Provide evidence of delivery prior to XXX for retesting.  XXX Client provided screen print for CD XXX.   Condition remains for evidence of receipt prior to XXX  of the LE XXX  for re-testing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063196

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

Compliance Manual

Waived

D

B

D

B

CMPMAN2956

Missing disclosure

No

Final CD (XXX) Present in the File but receipt date is Missing, Please Provide Corrected Final CD and Borrower acknowledge with receipt date.

XXX  Client provided a duplicate copy of the Final CD, page 2 of the Itemization and page 2 of the ALTA. Condition remains. The Final CD was not "dated" by the Borrower, therefore "receipt date" defaults to mail rule. Lender to provide the Final CD reflecting the borrower's signature date.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063196

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

Right of Rescission

Waived

B

B

B

B

CMPROR117

ROR - Expiration date on form prior to end of rescission period

No

ROR expiration date XXX ,Transaction Date XXX  and Disbursement date per Final CD  XXX  Earliest expiration should be XXX .

XXX Client provided a duplicate copy of the ROR, Final CD, page 2 of the Itemization and page 2 of the ALTA. Condition remains. The Final CD was not "dated" by the Borrower, therefore "receipt date" defaults to mail rule, pushing out the rescission period. Lender to provide the Final CD reflecting the borrower's signature date at Closing for re-testing, OR reopen rescission to all title holders with proof of receipt that includes signature/date or Tracking.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063196

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

Right of Rescission

Waived

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR expiration date XXX , Transaction Date XXX  and Disbursement date per Final CD (XXX). Disbursement occurred before the end of the statutory rescission period. Earliest expiration should be XXX .

XXX Client provided a duplicate copy of the ROR, Final CD, page 2 of the Itemization and page 2 of the ALTA. Condition remains. The Final CD was not "dated" by the Borrower, therefore "receipt date" defaults to mail rule, pushing out the rescission period. Lender to provide the Final CD reflecting the borrower's signature date at Closing for re-testing, OR reopen rescission to all title holders with proof of receipt that includes signature/date or Tracking.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063196

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063197

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063198

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063199

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063199

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

The Will Not Have an Escrow Account on final CD XXX Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrowers.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Non-Numeric

Not Applicable

409063200

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063201

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063202

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5802

Seasoned - Approval, No clean pay history

No

Approval, clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063203

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063204

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063204

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063205

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063206

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063207

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063208

XXXXXX

CO

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063209

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with Clean Pay History

(No Data)

(No Data)

Not Applicable

Not Applicable

409063210

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063210

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID5095

TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures

No

Escrow Waiver Fee is disclosed in the Loan Costs section of the Closing Disclosure; however, the corresponding Escrow Waiver information is not disclosed in the Loan Disclosures section.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Numeric

Not Applicable

409063211

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063212

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with Clean Pay History

(No Data)

(No Data)

Not Applicable

Not Applicable

409063212

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

Texas Home Equity

Satisfied

B

B

B

B

CMPTXHE5347

TX Equity - Missing appraisal or other valuation to support the Affidavit of Fair Market Value

No

Condition Satisfied.

(No Data)

Condition Satisfied; Initial & Final Grade B.

(No Data)

Not Applicable

409063213

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063214

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063214

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063215

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063216

XXXXXX

TN

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063217

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with Clean Pay History

(No Data)

(No Data)

Not Applicable

Not Applicable

409063217

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

Texas Home Equity

Satisfied

B

B

B

B

CMPTXHE5347

TX Equity - Missing appraisal or other valuation to support the Affidavit of Fair Market Value

No

Condition Satisfied.

(No Data)

Condition Satisfied; Initial & Final Grade B.

(No Data)

Not Applicable

409063218

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

satisfied

Not Applicable

Not Applicable

409063219

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063219

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of $XXX  due to Credit Report Fee increased without a valid COC in file. Missing a valid COC or Post CD, LOX and copy of refund check to borrower.

XXX  Client provided COC's XXX  reflecting added credit report fee to Informative research and XXX  (the day After the Final XXX CD) reflecting Raised credit report fee. Condition remains for the actual changes that occurred resulting in both of the increases and the COC correctly dated for the change on Final CD XXX.XXX Client provided another copy of the XXX  Final CD, a COC dated XXX  for the "Raised Credit Rescore Fee" and a screenshot of a XXX COC that states "Added the Credit Rescore Fee of $XXX  along with the following per seller: This loan closed XXX . See Initial CD dated XXX and COC dated XXX  with credit report fee going up to XXX . Condition remains. The file contains a XXX  Initial CD and XXX  COC that only states "Added Credit Report Fee to Informative Research". This is when a $XXX CR Fee was added. The Final CD was issued on XXX  and file contains a COC dated XXX  stating "Raised Credit Rescore Fee". The Final CD reflects an increased fee from $XXX  to $XXX  It's still unclear why that COC is dated XXX  when the Final CD was issued on XXX, however since the Final CD was not confirmed received until Closing on XXX, it appears to be just a date error. Regardless, neither of these COCs provide a valid change in circumstance reason or explanation for adding the $270 Fee then increasing it to $XXX  Borrower is due a refund of $XXX , PCCD with cure, LOE and proof of delivery with tracking.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063219

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

Final CD XXX - section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Non-Numeric

Not Applicable

409063219

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID5095

TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures

No

Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

Numeric

Not Applicable

409063220

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

A

C

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063220

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Final LE XXX  is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule.

XXX Client provided screen prints reflecting LE sent XXX  and actual received date is XXX .

Condition Satisfied.

(No Data)

Not Applicable

409063221

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approved with clean pay history

(No Data)

Satisfied

Not Applicable

Not Applicable

409063222

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

satisfied

Not Applicable

Not Applicable

409063222

XXXXXX

FL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

satisfied

Numeric

Not Applicable

409063223

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

 Affiliate Business Disclosure is missing

Client acknowledge missing ABD.

Final grade B

(No Data)

Not Applicable

409063223

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with a clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063223

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD in file, please provide along with any COC and tracking information if applicable.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063223

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing initial CD acknowledged by borrowers min 3 days prior to closing.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063223

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

D

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

D

B

D

B

CMPTRID4579

TRID - CD: Missing Initial CD

No

Initial Closing Disclosure is Missing, please provide along with any COC and tracking information if applicable.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063224

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063225

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063226

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063226

XXXXXX

MS

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063227

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063227

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD in file

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063227

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.

(No Data)

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063228

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with a clean pay history.

(No Data)

satisfied

Not Applicable

Not Applicable

409063229

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

satisfied

Not Applicable

Not Applicable

409063230

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with a clean pay history.

(No Data)

satisfied

Not Applicable

Not Applicable

409063231

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063231

XXXXXX

AL

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

(No Data)

Numeric

Not Applicable

409063232

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approved with clean pay history

(No Data)

(No Data)

Not Applicable

Not Applicable

409063232

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Transaction date is XXX.  Final CD issued XXX and signed XXX.  Initial CD issued XXX without confirmation of borrower receipt.  First eligible closing date is XXX

08/28/26 Client provided ROR forms that belong to a different borrower. Condition remains. Provide the Initial CD with confirmation of receipt at least 3 days prior to closing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063232

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Waived

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Transaction date is XXX.  Final CD issued XXX and signed XXX.  Initial CD issued XXX without confirmation of borrower receipt.  First eligible closing date is XXX

08/28/26 Client provided ROR forms that belong to a different borrower. Condition remains. Provide the Initial CD with confirmation of receipt at least 3 days prior to closing.

Applicable Statute of Limitation has expired. Final grade B, non-material.

(No Data)

Not Applicable

409063233

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063234

XXXXXX

GA

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063235

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

A

A

A

A

Compliance

SFA Seasoned

Satisfied

A

A

A

A

CMPSFAS5801

Seasoned Reduced ATR Risk - Approval and clean pay history

No

Approval with clean pay history.

(No Data)

(No Data)

Not Applicable

Not Applicable

409063237

XXXXXX

TX

Seasoned Reduced ATR Risk - Approval, clean pay history

Seasoned Reduced ATR Risk - Approval, clean pay history

B

B

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Pending fully executed copy of affiliated business disclosure provided to borrower.

08/19/26 Client provided an approved exception for the missing ABD.

Initial and Final Grade B.