|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2026-S1
|
|||
|
Start - End Dates:
|
8/18/2026 - 9/17/2026
|
|||
|
Deal Loan Count:
|
686
|
|||
|
Waived Conditions Summary
|
||||
|
Review Scope
|
Category
|
Code
|
Description
|
Count
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3490
|
TRID - Incomplete TRID Waiver in file
|
1
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3494
|
TRID - Loan Estimate Missing
|
2
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
4
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
3
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least XXX business days prior to
closing
|
63
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
73
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely
disclosed; insufficient credit or refund provided
|
2
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within
XXX days of consummation
|
29
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3676
|
TRID - CD: Ten percent 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.
|
12
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
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
|
15
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID3971
|
TRID - CD: Either both options or neither option was checked for the Liability after Foreclosure topic in the CD Other Disclosures section
|
1
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
17
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5095
|
TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures
|
18
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5107
|
TRID - Seller CD not in file; need in order to complete fee entry
|
3
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
3
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
1
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow
Payment = XXX or Null
|
1
|
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
CMPTRID5806
|
TRID - At least XXX CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
2
|
|
Compliance
|
Right of Rescission
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
4
|
|
Compliance
|
Right of Rescission
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
9
|
|
Compliance
|
Right of Rescission
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
1
|
|
Compliance
|
Right of Rescission
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
1
|
|
Compliance
|
Right of Rescission
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
1
|
|
Compliance
|
Right of Rescission
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
3
|
|
Compliance
|
Federal Consumer Protection
|
CMPFDCP316
|
TILA - Stated Loan Term not equal to the TIL Payment term
|
1
|
|
Compliance
|
Finance Charge Tolerance
|
CMPFINT106
|
Finance charge understated by more than $XXX (Pmt Stream)
|
2
|
|
Compliance
|
Finance Charge Tolerance
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
|
2
|
|
Compliance
|
Texas Home Equity
|
CMPTXHE308
|
Voluntary Same-Lender Debt disclosure not provided to borrower
|
1
|
|
Compliance
|
Documentation
|
CMPDOC255
|
Compliance: Missing or Incomplete Addendum or Rider.
|
1
|
|
Compliance
|
Documentation
|
CMPDOC806
|
Notary Status is missing
|
1
|
|
Compliance
|
RESPA
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
3
|
|
Compliance
|
RESPA
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in XXX days of application
|
4
|
|
Compliance
|
RESPA
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
27
|
|
Compliance
|
Compliance Manual
|
CMPMAN2956
|
Missing disclosure
|
3
|
|
Total
|
313
|
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©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.
|
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