SAIF IA DEPOSITOR, LLC ABS-15G
Exhibit 99.1 - Schedule 2
| Sage Unique ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| SAIF202620004 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620010 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620005 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620011 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620007 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620012 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620006 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - corrected XXXX provided with senior PITI and DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX attached showing PITI for Xst lien - Seller-XX/XX/XXXX Counter-X/XX/XXXX - XXXX provided does not include primary residence PITIA in the total monthly payments. Resulting review DTI is XX.XX% versus lender DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this exception one more time? this is an investment property. see XXXX and Non-Agency Loan Approval Summary. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided XXXX provided in file does not reflect PITI for primary residence. Provide a XXXX with correct primary PITIA and updated front and back end DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX attached showing PITI for Xst lien - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this exception one more time? this is an investment property. see XXXX and Non-Agency Loan Approval Summary. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - corrected XXXX provided with senior PITI and DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620013 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620008 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620017 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620014 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620016 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620015 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620018 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620019 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620020 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620021 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620024 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620026 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620023 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620025 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620022 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620003 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620060 | XXXX | XXXX | D | B | C | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of XX.XX% is less than or equal to Guideline HCLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX Open-Audited HLTV of XX.XX% exceeds Guideline HCLTV of XX% CLTV/HCLTV of XX.XX% exceeds the guidelines max of XX%. Subject loan amount of $XX,XXX plus first mortgage balance of $XXX,XXX equals $XXX,XXX divided by appraised value of $XXX,XXX equals XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX |
Resolved-Audited HLTV of XX.XX% is less than or equal to Guideline HCLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620060 | XXXX | XXXX | D | B | C | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX Open-CLTV/HCLTV of XX.XX% exceeds the guidelines max of XX%. Subject loan amount of $XX,XXX plus first mortgage balance of $XXX,XXX equals $XXX,XXX divided by appraised value of $XXX,XXX equals XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX |
Resolved-Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620060 | XXXX | XXXX | D | B | C | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Qualifying CLTV exceeds Max CLTV (Primary Res, 700+ FICO) | Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX Open-The Qualifying CLTV exceeds the Max CLTV allowed for: - Primary Residence - FICO of XXX or higher CLTV/HCLTV of XX.XX% exceeds the guidelines max of XX%. Subject loan amount of $XX,XXX plus first mortgage balance of $XXX,XXX equals $XXX,XXX divided by appraised value of $XXX,XXX equals XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. first lien balance to support cltv/htltv XX% - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received updated first lien balance of $XXX,XXX which adjusts CLTV to under XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620060 | XXXX | XXXX | D | B | C | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form was used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade exception to evX grade for incorrect form, we will accept evX grade for this condition - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade exception to evX grade for incorrect form, we will accept evX grade for this condition - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form was used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620059 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620294 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-X/XX/XXXX - received servicer pay history for senior showing monthly MI consistent with "Other" housing expense reflected on XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Xst mortgage is an FHA loan and therefore does have MI. See attached payment history showing $XX.XX MI. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing explanation of what $XX.XX "other" payment noted on the proposed primary residence payment is for. XXXX and final CD reflect escrow shortage is being paid at closing and VOM does not reflect any MI payment. Provide explanation or revised XXXX with accurate payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Xst mortgage is an FHA loan and therefore does have MI. See attached payment history showing $XX.XX MI. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received servicer pay history for senior showing monthly MI consistent with "Other" housing expense reflected on XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620066 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620178 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620142 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please note the consummation CD includes a $XX cure for charges increased above legal limit. - Seller-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please note the consummation CD includes a $XX cure for charges increased above legal limit. - Seller-XX/XX/XXXX |
Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620142 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Appears the CD was not sent following the XX/XX/XX within the required X business days. Typically, this would result in a cure for any associated changes. However, the interest rate decreased on XX/XX/XX. This is to the borrower's benefit, and so there would be no associated cure for the disclosure error. The XX/XX/XX CD captures the new rate details. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of the XX/XX/XXXX COC (pg XXX) for Interest Rate Dependent Charges. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Appears the CD was not sent following the XX/XX/XX within the required X business days. Typically, this would result in a cure for any associated changes. However, the interest rate decreased on XX/XX/XX. This is to the borrower's benefit, and so there would be no associated cure for the disclosure error. The XX/XX/XX CD captures the new rate details. - Seller-XX/XX/XXXX |
Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620142 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please note the consummation CD includes a $XX cure for charges increased above legal limit. - Seller-XX/XX/XXXX Open-A revised CD issued XX/XX/XXXX shows the lender credit has been decreased; however, no valid, written COC was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please note the consummation CD includes a $XX cure for charges increased above legal limit. - Seller-XX/XX/XXXX |
Resolved-Final CD reflects lender credit to cure increase of fees and decrease of lender credit. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620086 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620128 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620258 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620097 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620090 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong ROR form, no curative. Grade reduced to Level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong ROR form, no curative. Grade reduced to Level X - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620359 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620109 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response attesting QM Status should be Non-QM: "Tracked issue to the data tape. Submitted data tape correction to XXXX. This should be non-QM" "Concur this is a XX month bank statement loan which would require non-QM status. Please also see Mavent compliance report beginning on page XXX of binder showing all QM related aspects as N/A due to non-QM status." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tracked issue to the data tape. Submitted data tape correction to XXXX. This should be non-QM. - Seller-XX/XX/XXXX Ready for Review-Concur this is a XX month bank statement loan which would require non-QM status. Please also see Mavent compliance report beginning on page XXX of binder showing all QM related aspects as N/A due to non-QM status. Can you clarify what documents specifically do not indicate non-QM status? - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX month bank statement, however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tracked issue to the data tape. Submitted data tape correction to XXXX. This should be non-QM. - Seller-XX/XX/XXXX Ready for Review-Concur this is a XX month bank statement loan which would require non-QM status. Please also see Mavent compliance report beginning on page XXX of binder showing all QM related aspects as N/A due to non-QM status. Can you clarify what documents specifically do not indicate non-QM status? - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response attesting QM Status should be Non-QM: "Tracked issue to the data tape. Submitted data tape correction to XXXX. This should be non-QM" "Concur this is a XX month bank statement loan which would require non-QM status. Please also see Mavent compliance report beginning on page XXX of binder showing all QM related aspects as N/A due to non-QM status." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620098 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620121 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620099 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620173 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620111 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620185 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620196 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620131 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620122 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620119 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620092 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower X Tax Returns Are Signed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page X of XXXX and XXXXs, signed by borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed XXXX's - Seller-XX/XX/XXXX Open-Borrower X Tax Returns Not Signed XXXX and XXXX tax returns are not signed by borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed XXXX's - Seller-XX/XX/XXXX |
Resolved-Borrower X Tax Returns Are Signed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page X of XXXX and XXXXs, signed by borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620154 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620129 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | GSE (Fannie Mae public guidelines) QM APR Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the QM APR test. ( Fannie Mae Lender Letter XXXX-XX )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620129 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | GSE (Freddie Mac public guidelines) QM APR Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the QM APR test. ( Freddie Mac Bulletin XXXX-XX )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Freddie Mac unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620129 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620233 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620145 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620179 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620174 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOE completing XX month employment verification. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Missing VVOE verifying complete XX month employment history. Provided VVOE (pg XXX) verifies employment for only X months employment. VVOE reflects XXXX (XX/XX/XXXX- XX/XX/XXXX) and XXXX (XX/XX/XXXX-XX/XX/XXXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOE completing XX month employment verification. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620174 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620146 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620325 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620201 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620150 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620147 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620234 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620148 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620312 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620186 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620213 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620187 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached certification - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached certification - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620175 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620295 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620159 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620155 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to a level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX exception grade for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX exception grade for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to a level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620247 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620437 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620764 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620180 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620160 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620345 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620163 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620282 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620188 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620181 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form was used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade exception to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade exception to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form was used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620164 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620259 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620182 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620135 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620235 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620197 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620371 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620214 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620215 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620283 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620198 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620236 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620260 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620237 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620296 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620248 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620223 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620261 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620284 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620216 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620404 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620262 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620244 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised LEs and COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached should include all disclosure documents including econsent, tracking, LEs and CDs. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached should include all disclosure documents including econsent, tracking, LEs and CDs. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LEs and COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence HOC was sent to borrower within X days of application. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence HOC was sent to borrower within X days of application. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence borrower was sent appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence borrower was sent appraisal. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Servicing Transfer Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Servicing Transfer Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Privacy Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Privacy Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620229 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received right to receive copy of appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received right to receive copy of appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620211 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620340 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620224 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620334 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620217 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202620263 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620285 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received PCCD and cover letter. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached LE dated XX/XX with cover letter to borrower and pccd with cover letter dated XX/XX including lender credit for increased fees. Wasn't sure which cover letter you wanted so I uploaded both for your review. Thank you - Seller-XX/XX/XXXX Open-Disclosure Tracking Detail (pg XXX) reflects PCCD sent to borrower on XX/XX/XXXX and payment history (pg XXX) reflects principal reduction of $XX applied to account; however, Post-Consummation Letter of Explanation and post-consummation closing disclosure documents are missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see attached LE dated XX/XX with cover letter to borrower and pccd with cover letter dated XX/XX including lender credit for increased fees. Wasn't sure which cover letter you wanted so I uploaded both for your review. Thank you - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD and cover letter. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620739 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620438 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620410 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Date the Rate Was Set Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the date the rate was set validation test. ( XX CFR §XXXX.XX(X)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. borrower receipt of homeownership counseling disc - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower receipt of homeownership counseling disc - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EConsent form - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EConsent form - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt and right to receive appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal delivery and waiver of receipt - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal delivery and waiver of receipt - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt and right to receive appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received servicing transfer verbiage on initial LE. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received servicing transfer verbiage on initial LE. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. borrower receipt of federal privacy notice - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower receipt of federal privacy notice - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received proof of receipt and right to receive appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal delivery and waiver uploaded - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal delivery and waiver uploaded - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received proof of receipt and right to receive appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received missing disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LE/CD's, disclosure tracking and COC's uploaded - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LE/CD's, disclosure tracking and COC's uploaded - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received missing disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed initial CD - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed initial CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed initial LE - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed initial LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620225 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. all pages of executed DOT - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. all pages of executed DOT - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620202 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received all required disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received all required disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620238 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620249 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620346 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620313 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX LE - Seller-XX/XX/XXXX Open-Missing revised LE issued on XX/XX/XXXX, as well as corresponding COC. Disclosure Tracking Summary reflects revised LE was issued on XX/XX/XXXX and received by borrower XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. loan locked XX/XX, XXXX closed XX/XX-XX/XX for holiday, LE issued XX/XX w/in X days of lock - Seller-XX/XX/XXXX Open-Missing revised LE issued within X business days of the XX/XX/XXXX rate lock date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. loan locked XX/XX, XXXX closed XX/XX-XX/XX for holiday, LE issued XX/XX w/in X days of lock - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE, initial CD, XX/XX CD, and funder CD along borrower receipt of CD's. Please note initial CD dated XX/XX with X day timing XX/XX is the earlies close date - docs signed XX/XX with recission period until XX/XX and loan disbursed XX/XX. - Seller-XX/XX/XXXX Open-Missing any revised LEs and/or revised CDs with corresponding COCs. Only the final CD was present in the loan file. Separate findings have been set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE, initial CD, XX/XX CD, and funder CD along borrower receipt of CD's. Please note initial CD dated XX/XX with X day timing XX/XX is the earlies close date - docs signed XX/XX with recission period until XX/XX and loan disbursed XX/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial CD, XX/XX CD, and funder CD along borrower receipt of CD's. Please note initial CD dated XX/XX with X day timing XX/XX is the earlies close date - docs signed XX/XX with recission period until XX/XX and loan disbursed XX/XX. - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial CD, XX/XX CD, and funder CD along borrower receipt of CD's. Please note initial CD dated XX/XX with X day timing XX/XX is the earlies close date - docs signed XX/XX with recission period until XX/XX and loan disbursed XX/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. borrower receipt of homeownership counseling disc - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower receipt of homeownership counseling disc - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received right to received copy of appraisal disclosure and proof of receipt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal receipt and X day waiver - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal receipt and X day waiver - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received right to received copy of appraisal disclosure and proof of receipt. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received service transfer disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received service transfer disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. receipt of federal financial privacy disc - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. receipt of federal financial privacy disc - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed initial LE - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed initial LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received right to received copy of appraisal disclosure and proof of receipt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal receipt and X day waiver - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal receipt and X day waiver - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received right to received copy of appraisal disclosure and proof of receipt. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620311 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Drive Report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. final fraud guard - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing the third-party Drive Report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. final fraud guard - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Drive Report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620218 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620250 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620251 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620360 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620226 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620227 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620328 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620252 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620428 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620297 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed DOT - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. deed of trust with legal description uploaded - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. deed of trust with legal description uploaded - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed DOT - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620286 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce to grade X, immaterial. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce to grade X, immaterial. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620264 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620265 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620361 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620287 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620393 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620280 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-It is acceptable to use the ROR form HX, please downgrade to a X and waive. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-It is acceptable to use the ROR form HX, please downgrade to a X and waive. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620257 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender provided updated XXXX reflecting not employed by family and LOE from borrower stating no relationship to employer. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. borrower does not work for family, XXXX updated and signed loe provided, tax returns should no longer be required. please review and advise - Seller-XX/XX/XXXX Open-Borrower X Personal Tax Returns Missing Missing X years personal tax returns and CPA letter to verify borrower has no ownership in XXXX. The final XXXX (pg XX) reflects the borrower is employed by family. Per guidelines, when employed by family, X years personal tax returns AND a letter from a disinterested CPA are required to validate ownership percentage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower does not work for family, XXXX updated and signed loe provided, tax returns should no longer be required. please review and advise - Seller-XX/XX/XXXX |
Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender provided updated XXXX reflecting not employed by family and LOE from borrower stating no relationship to employer. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620257 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-XX/XX/XXXX - Received report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Clear fraud report - Seller-XX/XX/XXXX Open-OFAC Check Not Completed and/or Cleared The Fraud Report provided (pg XX) reflects a zero score and uncleared HIGH alerts for Fraud Risk (OFAC). Provide an updated report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Clear fraud report - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620329 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided The ROR provided was prepared on the incorrect form, subject loan paid off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620306 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620298 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620278 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form, no curative. Grade reduced to levelX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade condition EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade condition EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form, no curative. Grade reduced to levelX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620318 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620314 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620239 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Paystubs show VA BAS and BAH, lender grossed up XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-These are shown on the paystubs. Base pay is $XXXX.XX, BAS is $XXX.XX grossed up XXX% is $XXX, BAH is $XXXX grossed up XXX% is $XXXX. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing Borrower X Award letter is missing for VA benefit income - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-These are shown on the paystubs. Base pay is $XXXX.XX, BAS is $XXX.XX grossed up XXX% is $XXX, BAH is $XXXX grossed up XXX% is $XXXX. - Seller-XX/XX/XXXX |
Resolved-Paystubs show VA BAS and BAH, lender grossed up XXX% - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620253 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620288 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620276 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with bonus income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE from XXXX, breaking out XXXX and YTD XXXX bonus income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with bonus income. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620305 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620299 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620289 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Final XXXX is Missing No final XXXX executed by the borrower at closing was provided, reflecting income, liabilities and assets consistent with the final loan approval, data gleaned from either the initial XXXX or other credit documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620289 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce to grade X, immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce to grade X, immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620341 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620266 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620300 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620301 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620290 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing the executed DOT. Data gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620291 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620558 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620381 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620319 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-XX/XX/XXXX - Received credit sup reflecting < XX months pymts remaining on XXXX acct. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. As of the credit report date, there were XX payments remaining on the XXXX installment debt. This credit report was obtained in December XXXX and the loan closed in February XXXX, so the borrower would have made at least one more payment before loan closing and this installment debt would have been eligible to exclude. Attached is a credit supplement confirming the borrower did make that additional payment, and so as of closing there were fewer than XX payments remaining on this installment debt. - Seller-XX/XX/XXXX Open-Provide credit sup or monthly statement reflecting XXXX account has < XX months payments remaining. Lender omitted $XX/mo payment (balance $XXX). DTI will exceed XX% if the payment is added. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. As of the credit report date, there were XX payments remaining on the XXXX installment debt. This credit report was obtained in December XXXX and the loan closed in February XXXX, so the borrower would have made at least one more payment before loan closing and this installment debt would have been eligible to exclude. Attached is a credit supplement confirming the borrower did make that additional payment, and so as of closing there were fewer than XX payments remaining on this installment debt. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received credit sup reflecting < XX months pymts remaining on XXXX acct. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID Package attached - Seller-XX/XX/XXXX Open-Missing any revised LEs and/or revised CDs with corresponding COCs. Only the final CD was present in the loan file. Separate findings have been set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID Package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing . Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Servicing Transfer. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Servicing Transfer. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy notice. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy notice. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received right to receive copy of appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received right to receive copy of appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620315 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620335 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620302 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620347 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - complete executed Note provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Note is Incomplete Incomplete Note, only page X of X provided, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - complete executed Note provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620395 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620303 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620342 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620348 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620418 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620330 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620405 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620331 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender credit report for balance. Updated first mtg balance per credit report, instead of VOM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-first lien balance is based on credit report balance $XXX,XXX. Please review credit report in file - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide updated XXXX with correct CLTV/HCLTV. XXXX provided (pg XX) reflects CLTV/HCLTV of XX.XXX%/XX.XXX%, however based on senior lien balance of $XXX,XXX.XX (pg XXX), CLTV/HCLTV is XX.XX%/XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-first lien balance is based on credit report balance $XXX,XXX. Please review credit report in file - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender credit report for balance. Updated first mtg balance per credit report, instead of VOM. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620692 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-X/XX/XXXX - Cert provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Certification attached. - Seller-XX/XX/XXXX Open-'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Certification attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - Cert provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620320 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620406 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620332 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade condition to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgment of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620321 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation reflecting XXXX mtg associated with XXXX was refinanced out of borrower's name and borrower no longer responsible/associated with loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. final cd supporting property address and union bank loan transferred out of borrower's name and credit supplement removing debt from borrower's credit/dti - Seller-XX/XX/XXXX Open-Missing explanation and supporting documentation regarding what property Union Home mortgage (balance of $XXX,XXX with payment of $X,XXX) is associated with. Also provide documentation reflecting who it was refinance with and new payment information. Credit sup (pg XXX) reflects it was paid off and XXXX (pg XX) reflects it was refinanced. DTI to be recalculated. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. final cd supporting property address and union bank loan transferred out of borrower's name and credit supplement removing debt from borrower's credit/dti - Seller-XX/XX/XXXX |
Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation reflecting XXXX mtg associated with XXXX was refinanced out of borrower's name and borrower no longer responsible/associated with loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620321 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation reflecting XXXX mtg associated with XXXX was refinanced out of borrower's name and borrower no longer responsible/associated with loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CD supporting property refinanced out of borrower name and credit supplement supporting mtg no longer reporting on borrower credit. property not included on XXXX due to refinance removing borrower from loan - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Missing revised XXXX reflecting what property is associated with Union Home mortgage (balance of $XXX,XXX with payment of $X,XXX). Also reflect who it was refinanced with and new payment information. Credit sup (pg XXX) reflects it was paid off and XXXX (pg XX) reflects it was refinanced. DTI to be recalculated. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CD supporting property refinanced out of borrower name and credit supplement supporting mtg no longer reporting on borrower credit. property not included on XXXX due to refinance removing borrower from loan - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation reflecting XXXX mtg associated with XXXX was refinanced out of borrower's name and borrower no longer responsible/associated with loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620336 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620322 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620382 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received PPCD and copy of check to borrower for $XXX.XX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached was sent to borrower. See page X of CD, "Paid By Others" column reflects the refunds to the borrower (discount points and transfer taxes). - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received copy of check in the amount of $XXX.XX issued to the borrower on XX/XX/XXXX. Please provide PCCD that corresponds with refund to borrower. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower has been refunded the fees that increased associated with the X/XX/XX COC and disclosed on the X/XX/XX CD. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached was sent to borrower. See page X of CD, "Paid By Others" column reflects the refunds to the borrower (discount points and transfer taxes). - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower has been refunded the fees that increased associated with the X/XX/XX COC and disclosed on the X/XX/XX CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PPCD and copy of check to borrower for $XXX.XX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620362 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | A | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Lender designation is QM Higher Priced (APOR) / Rebuttable Presumption QM. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) ). This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender designation is QM Higher Priced (APOR) / Rebuttable Presumption QM. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) ). This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620349 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620623 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620363 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620337 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620350 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620372 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-X/XX/XXXX - received lender's updated bid tape and attestation loan designation is non-QM - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape correction attached, loan is non-QM - Seller-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of X.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. Lender designation is QM Higher Priced (APOR) / Rebuttable Presumption QM. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of X.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape correction attached, loan is non-QM - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender's updated bid tape and attestation loan designation is non-QM - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620208 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620383 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620373 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620356 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620374 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620507 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620476 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620267 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-It is acceptable to use the ROR form HX, please downgrade to a X and waive. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-It is acceptable to use the ROR form HX, please downgrade to a X and waive. - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced grade to level X - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620407 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620753 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620351 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620352 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620353 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620444 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620408 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provide - Due Diligence Vendor-XX/XX/XXXX Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provide - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provide - Due Diligence Vendor-XX/XX/XXXX Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provide - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of HOC issuance - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of HOC issuance - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received e-sign consent - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received e-sign consent - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of proof of borrower receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached internal tracking - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached internal tracking - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of proof of borrower receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received ILE with servicing verbiage. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received ILE with servicing verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of Privacy disclosure issuance. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of Privacy disclosure issuance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed Mortgage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed Mortgage - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received Drive Report with all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing the third-party Drive Report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received Drive Report with all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-X/XX/XXXX - received ILE and RLE - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received ILE and RLE - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-X/XX/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-X/XX/XXXX - received evidence of Right to Copy of Appraisal disclosure issuance. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received evidence of Right to Copy of Appraisal disclosure issuance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620641 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-X/XX/XXXX - received initial TRID disclosures, LEs and CDs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received initial TRID disclosures, LEs and CDs - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620461 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received all required LEs, CDs, COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached including econsent, tracking, LEs and CDs. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached including econsent, tracking, LEs and CDs. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received all required LEs, CDs, COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620375 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620367 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced Grade to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced Grade to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620364 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620384 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620344 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620396 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620376 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received comment from lender: "The fees added with the X/XX COC were not valid, as they added an appraisal fee when there was no complete appraisal. This fee was subsequently removed." Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The fees added with the X/XX COC were not valid, as they added an appraisal fee when there was no complete appraisal. This fee was subsequently removed. Other changing fees fall within the XX% tolerance rule, and therefore no cure would be required in this case. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The fees added with the X/XX COC were not valid, as they added an appraisal fee when there was no complete appraisal. This fee was subsequently removed. Other changing fees fall within the XX% tolerance rule, and therefore no cure would be required in this case. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received comment from lender: "The fees added with the X/XX COC were not valid, as they added an appraisal fee when there was no complete appraisal. This fee was subsequently removed." Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620477 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620576 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. credit alert cleared certification - Seller-XX/XX/XXXX Open-'Initial Alert' is presented in Credit report, however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. credit alert cleared certification - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620419 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received the following comment from lender: "Document Uploaded. Several COCs were involved with the X/XX CD, and they occurred on different dates. Primarily, the loan amount change occurred on X/XX and was correctly disclosed the following day (see attached lock confirmations as documentation of this). There are no other COCs that would require cure." Resolved finding as no variance to fees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Several COCs were involved with the X/XX CD, and they occurred on different dates. Primarily, the loan amount change occurred on X/XX and was correctly disclosed the following day (see attached lock confirmations as documentation of this). There are no other COCs that would require cure. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Several COCs were involved with the X/XX CD, and they occurred on different dates. Primarily, the loan amount change occurred on X/XX and was correctly disclosed the following day (see attached lock confirmations as documentation of this). There are no other COCs that would require cure. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received the following comment from lender: "Document Uploaded. Several COCs were involved with the X/XX CD, and they occurred on different dates. Primarily, the loan amount change occurred on X/XX and was correctly disclosed the following day (see attached lock confirmations as documentation of this). There are no other COCs that would require cure." Resolved finding as no variance to fees. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620397 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620400 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced Grade to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce grade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of wrong form used, no curative. Reduced Grade to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620385 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620524 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620389 | XXXX | XXXX | D | B | C | A | D | B | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620389 | XXXX | XXXX | D | B | C | A | D | B | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XXXX - Received explanation from lender: "The proper address of the subject property is in XXXX, however XXXX and XXXX appear to have overlap in district. See attached tax records showing the subject property pays taxes to XXXX Down, but XXXX school district, and XXXX-XXXX Fire. Further, please note the Xst page of the AVM shows the address was input as XXXX, only page X returned as XXXX. This appears to be due to overlapping districts or changing borders, not because of any actual disparity in the property being valued." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The proper address of the subject property is in XXXX, however XXXX and XXXX appear to have overlap in district. See attached tax records showing the subject property pays taxes to XXXX Down, but XXXX school district, and XXXX-XXXX Fire. Further, please note the Xst page of the AVM shows the address was input as XXXX, only page X returned as XXXX. This appears to be due to overlapping districts or changing borders, not because of any actual disparity in the property being valued. - Seller-XX/XX/XXXX Open-The city on the AVM does not match the Note. The Note reflects the city as XXXX vs the AVM which has XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The proper address of the subject property is in XXXX, however XXXX and XXXX appear to have overlap in district. See attached tax records showing the subject property pays taxes to XXXX Down, but XXXX school district, and XXXX-XXXX Fire. Further, please note the Xst page of the AVM shows the address was input as XXXX, only page X returned as XXXX. This appears to be due to overlapping districts or changing borders, not because of any actual disparity in the property being valued. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received explanation from lender: "The proper address of the subject property is in XXXX, however XXXX and XXXX appear to have overlap in district. See attached tax records showing the subject property pays taxes to XXXX Down, but XXXX school district, and XXXX-XXXX Fire. Further, please note the Xst page of the AVM shows the address was input as XXXX, only page X returned as XXXX. This appears to be due to overlapping districts or changing borders, not because of any actual disparity in the property being valued." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620389 | XXXX | XXXX | D | B | C | A | D | B | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income Documentation Deficiencies: Final 1008 income varies from income documentation in images, resulting in a DTI variance. | Resolved-XX/XX/XXXX - Received revised income worksheet. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the correct income calculation worksheet. - Seller-XX/XX/XXXX Open-The income on the XXXX does not match the UW Income Worksheet. The UW income Worksheet reflects the borrower's WX income as $X,XXX.XX vs the XXXX which has $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the correct income calculation worksheet. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised income worksheet. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620389 | XXXX | XXXX | D | B | C | A | D | B | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-XX/XX/XXXX - Received gap letter. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This LOE is included in the binder on page XXX, also attached here for ease of reference. - Seller-XX/XX/XXXX Open-A Gap Letter was not provided for their two-month employment gap from XXXX to XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This LOE is included in the binder on page XXX, also attached here for ease of reference. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received gap letter. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620268 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620496 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620478 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620386 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620453 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence borrower was sent HOC within X business days of application. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking supporting borrower receipt of homeownership counseling agencies - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Lender provided state specific disclosure matrix reflecting FL title insurance notice, FL lock in agreement and FL notice of anti-coercion. Still missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking supporting borrower receipt of homeownership counseling agencies - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence borrower was sent HOC within X business days of application. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt for appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. emailed appraisal delivery to borrower - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received copy of right to received copy of appraisal. Finding is for Proof of Receipt of appraisal or other valuation product. Please provide evidence borrower received copy of valuation product. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. right to receive appraisal report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. right to receive appraisal report - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Lender provided state specific disclosure matrix reflecting FL title insurance notice, FL lock in agreement and FL notice of anti-coercion. Still missing proof of receipt of appraisal or waiver. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. emailed appraisal delivery to borrower - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. right to receive appraisal report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. right to receive appraisal report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt for appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-XX/XX/XXXX - Received as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. state specific disclosure matrix - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Privacy Notice Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. federal privacy notice - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. federal privacy notice - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Privacy Notice Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal disclosure delivery - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal disclosure delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised LEsCDs and COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. revised LE and CD's with COC - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. revised LE and CD's with COC - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LEsCDs and COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial CD and delivery prior to closing - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial CD and delivery prior to closing - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620443 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE and delivery - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE and delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620517 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620439 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620602 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620445 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620429 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620446 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620401 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620464 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202620447 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXX.XX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DOT - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DOT - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE, revised LE's and initial CD with proof of delivery and COC's - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE, revised LE's and initial CD with proof of delivery and COC's - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial LE - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. homeownership counseling list - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. homeownership counseling list - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOC. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. econsent form - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received e-consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal delivery and right to receive appraisal report disc - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal delivery and right to receive appraisal report disc - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received proof of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received servicing transfer as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. transfer of servicing on initial LE - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. transfer of servicing on initial LE - Seller-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received servicing transfer as part of initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy notice. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking including federal privacy notice - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking including federal privacy notice - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received privacy notice. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620454 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received right to receive appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. right to receive appraisal - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. right to receive appraisal - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received right to receive appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620497 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620420 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620402 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No photo ID or USA Patriot Act with ID information completed by the closing agent was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620540 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620448 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620614 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620449 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620485 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620711 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620512 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. credit alert clearance by underwriter - Seller-XX/XX/XXXX Open-Initial Alert' is presented in Credit report, however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. credit alert clearance by underwriter - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620541 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620495 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620610 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620513 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page XX of DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Page XX attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing complete copy of executed Deed of Trust. The DOT provided is missing page XX, which should have borrower's signature. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Page XX attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page XX of DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620486 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please reduce to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please reduce to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620494 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620440 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620441 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Certification attached. - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Certification attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620690 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620465 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620442 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620518 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620409 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620466 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. notes for credit alert clearance - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. notes for credit alert clearance - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620487 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620479 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620450 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620480 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620529 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620467 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620542 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620514 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620451 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620676 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620462 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Warranty Cert. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received copy of closing instructions with comment that "Policy amount is on page X item X of the attached." Closing instructions with policy amount is not sufficient to clear finding. XXXX guidelines require that Error & Omission insurance that is transferrable to all investors and provides coverage for XXX months is provided. Please provide evidence of E&O/Warranty cert. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Policy amount is on page X item X of the attached - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached Warranty certificate to verify the policy amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Policy amount is on page X item X of the attached - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Warranty Cert. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620481 | XXXX | XXXX | A | A | A | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A desktop appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A desktop appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620523 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed copy attached - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided A photo ID or USA Patriot Act with ID information completed by the closing agent was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed copy attached - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620523 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cert attached - Seller-XX/XX/XXXX Open-Missing Processor cert for the Initial Fraud alert present on the credit report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cert attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620488 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620525 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620452 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620490 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620468 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620469 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620526 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received revised PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correct copy attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received PCCD issued XX/XX/XXXX, copy of $XXX.XX check and proof sent to borrower, to cure amount over tolerance due to XX/XX/XXXX CD not being sent and therefore COC not received within time requirement. However, the PCCD reflects an incorrect P&I payment in the Projected Payments section. P&I is reflected as $X,XXX.XX but should be reflected as $X,XXX.XX, as noted in Loan Terms section. Please provide revised PCCD reflecting correct P&I in Projected Payments section. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cd was not issued in a timely manner, PCCD with cover letter, cure check and fedex label uploaded - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correct copy attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. cd was not issued in a timely manner, PCCD with cover letter, cure check and fedex label uploaded - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised PCCD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620498 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620470 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620914 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620482 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620519 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620520 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620806 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620530 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620489 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620624 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620678 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620515 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620603 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620508 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received RTC for XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX signed NORTC form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Missing ROR evidencing the borrower X (XXXX) had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX signed NORTC form - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received RTC for XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620543 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620987 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620625 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620527 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620574 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620544 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620615 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620772 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620586 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620858 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - since the Patriot Act is executed by the closing agent as confirming identification of the borrower, Phoenix agrees to resolve the Finding - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The driver's license expiration date is not necessary. Only one document is required. The social security card provided fulfills the requirement. - Seller-XX/XX/XXXX Counter-X/XX/XXXX - the US Patriot Act form prepared by the closing agent provided in the original image file is incomplete and missing the DL expiration date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please note this document was in file. the identifying document was the SSA card, which does not expire. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided Missing US Patriot Act Disclosure with the details and expiration date. the US Patriot Act disclosure present in file Doesn't Reflect any details & Expiration Date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The driver's license expiration date is not necessary. Only one document is required. The social security card provided fulfills the requirement. - Seller-XX/XX/XXXX Ready for Review-Please note this document was in file. the identifying document was the SSA card, which does not expire. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - since the Patriot Act is executed by the closing agent as confirming identification of the borrower, Phoenix agrees to resolve the Finding - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620654 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620521 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620545 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620647 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620516 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620559 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620531 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620564 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-X/XX/XXXX - received servicer pay history dated X/XX/XXXX for senior loan showing principal balance of of X/XX/XXXX of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached payment history for Xst lien. Balance as of closing date of subject loan was $XXXXX.XX, plus subject loan balance of $XXXXX, total balance $XXX,XXX.XX. Coverage is $XXX,XXX. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached payment history for Xst lien. Balance as of closing date of subject loan was $XXXXX.XX, plus subject loan balance of $XXXXX, total balance $XXX,XXX.XX. Coverage is $XXX,XXX. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received servicer pay history dated X/XX/XXXX for senior loan showing principal balance of of X/XX/XXXX of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620616 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620638 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620604 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620532 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620533 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620597 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620712 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620655 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620813 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided A revised XXXX is required due to the borrower's total debt/DTI calculation. At origination, the child support used was $XXX.XX however the child support deduction is terminated per the state letter. The child support trade-line was used since its listed on the credit report for $XXX.XX and not verified as current or back child support. The DTI decreased from XX.XX% to XX.XX% with the lower child support payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620813 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Documentation Not Provided | Resolved-XX/XX/XXXX - Received copy of Permanent Resident Card. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. resident card, front and back - Seller-XX/XX/XXXX Open-Missing Borrower Citizenship document, Borrower is Permanent Resident Alien, provide a valid and current Permanent Resident card; or A passport stamped “processed for I-XXX,”. A copy of the expired Permanent Resident card and a copy of form I-XXX confirming receipt of the application to replace expired card. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. resident card, front and back - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received copy of Permanent Resident Card. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620702 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620807 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620565 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620534 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Overtime/bonus/commission not properly input, documented or conditioned | Resolved-XX/XX/XXXX - Received WVOE reflecting bonus income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing WVOE breaking out XXXX and YTD XXXX bonus income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received WVOE reflecting bonus income. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620593 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620639 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial cd - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial cd - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE/CD and all subsequent LE/CD's - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE/CD and all subsequent LE/CD's - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Initial Loan Estimate delivered more than 3 business days from application | Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking uploaded to support delivery of homeownership counseling disclosure - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking uploaded to support delivery of homeownership counseling disclosure - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. e-consent uploaded - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. e-consent uploaded - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal delivery uploaded - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal delivery uploaded - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE with transfer info - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE with transfer info - Seller-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking with federal privacy act provided - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking with federal privacy act provided - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620552 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal notice at time of application - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal notice at time of application - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing any revised LEs and/or revised CDs with corresponding COCs. Only the final CD was present in the loan file. Separate findings have been set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached, please review and let us know if any findings remain open. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional Findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached, please review and let us know if any findings remain open. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620587 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TD XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620617 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620535 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620605 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620528 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620560 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620561 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620546 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620547 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620754 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620640 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620548 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620598 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620701 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received identity affidavit reflecting judgment doesn't belong to borrower and title gave clear to close. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached, individual in the judgment is not the borrower - Seller-XX/XX/XXXX Open-Property Title Issue Schedule B, Part X, Paragraph XX (pg XXX) reflects a $X,XXX.XX judgement against XXXX, in favor of XXXX, recorded on XX/XX/XXXX. No documentation is provided reflecting paragraphed is cleared, nor is judgement paid off on final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached, individual in the judgment is not the borrower - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received identity affidavit reflecting judgment doesn't belong to borrower and title gave clear to close. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620588 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620824 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202620713 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620626 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620549 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Missing | Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to EVX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620562 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620550 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620648 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620589 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620606 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620618 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620729 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620599 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620594 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620627 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620590 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620566 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620679 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620563 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620677 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620714 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620867 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620649 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620715 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please downgrade to immaterial - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Lender acknowledged incorrect form used. Grade changed to level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620619 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620620 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620628 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620693 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620650 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620621 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, updated approval and XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide updated XXXX reflecting correct PITIA payment and DTIs (front and back end). XXXX provided (pg XX) does not reflect subject taxes and insurance. Once added, DTI increases to XX.XX% and XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, updated approval and XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620612 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620694 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620607 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620656 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, updated XXXX and approval attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing revised XXXX with correct All Other Monthly Payments Used in Qualifying of $X,XXX.XX and correct DTI of XX.XX%. Credit sup (pg XXX) reflects XXXXXXXXXXXXXXXXX paid and closed XX/XX/XXXX. A new auto installment contract (pg XXX) reflects it was paid off through new transaction. The XXXX provided (pg XX) reflects the payment including the paid off XXXX loan. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, updated XXXX and approval attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620591 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620768 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received WVOE with XXXX OT itemized - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX overtime income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received WVOE with XXXX OT itemized - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620768 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620635 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620622 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620825 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620642 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-X/XX/XXXX - received WVOE with OT for XXXX itemized. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out for XXXX overtime income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received WVOE with OT for XXXX itemized. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620592 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620670 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-XX/XX/XXXX - Received Riders. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. deed of trust with riders - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Page is missing for Manufactured Home Rider and Manufactured Home Affidavit of Affixation Rider with the DOT provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. deed of trust with riders - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Riders. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620716 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided. Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620705 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620657 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620915 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202620651 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620600 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620895 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-XX/XX/XXXX - PCCD reflects $XX principal reduction to cure X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-Non-specific lender credit of $XX was removed on initial CD (XX/XX/XXXX) pg#XXX, however no valid, written COC was provided in the image file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - PCCD reflects $XX principal reduction to cure X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620895 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-XX/XX/XXXX - PCCD reflects $XX principal reduction to cure X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cure already completed, attached. - Seller-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Non-specific lender credit of $XX was removed on initial CD (XX/XX/XXXX) pg#XXX, however no valid, written COC was provided in the image file - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cure already completed, attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - PCCD reflects $XX principal reduction to cure X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620629 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620680 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620845 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620601 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620706 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620611 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620608 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620652 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620643 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620681 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-XX/XX/XXXX - Received revised fraud report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts The Fraud Report provided reflects uncleared HIGH alerts for Fraud Risk (Zero Score). Please provide an updated report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised fraud report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620707 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620786 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621021 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620636 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received documentation that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Victim- 'Extended Alert' is presented in Credit report, however processor cert is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received documentation that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620773 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620168 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620703 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received supplemental CR and revised XXXX and lender response: "Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX%." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Re-attached - Seller-XX/XX/XXXX Counter-X/XX/XXXX - no curative provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX% - Seller-XX/XX/XXXX Counter- XX/XX/XXXX - DTI is still XX.XX%. Lender provided printout reflects XXXX payment of $XXX included in DTI; however, Lenders XXXX (pg XX) reflects "all other monthly payments" of $X,XXX.XX and final XXXX (pg XX) reflects all other monthly payments (after payoffs) of $X,XXX.XX, which is the same monthly payment as calculated during review. Resulting DTI is XX.XX%. DTI of XX.XX% exceeds program max of XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This liability was included in DTI calculations, see attached. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements DTI of XX.XX% exceeds program max of XX%. It appears the lender did not include XXXX #XXXX (balance $XX,XXX and pymt $XXX), in DTI. Adding this timeshare payment results in a XX.XX% DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Re-attached - Seller-XX/XX/XXXX Ready for Review-Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX% - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. This liability was included in DTI calculations, see attached. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received supplemental CR and revised XXXX and lender response: "Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX%." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620703 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-X/XX/XXXX - received supplemental CR and revised XXXX and lender response: "Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX%." - Due Diligence Vendor-XX/XX/XXXX Counter-X/XX/XXXX - no curative provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Counter- XX/XX/XXXX - DTI is still XX.XX%. Lender provided printout reflects XXXX payment of $XXX included in DTI; however, Lenders XXXX (pg XX) reflects "all other monthly payments" of $X,XXX.XX and final XXXX (pg XX) reflects all other monthly payments (after payoffs) of $X,XXX.XX, which is the same monthly payment as calculated during review. Resulting DTI is XX.XX%. DTI of XX.XX% exceeds program max of XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% DTI of XX.XX% exceeds program max of XX%. It appears the lender did not include XXXX #XXXX (balance $XX,XXX and pymt $XXX), in DTI. Adding this timeshare payment results in a XX.XX% DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall - Seller-XX/XX/XXXX Ready for Review-Waterfall - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received supplemental CR and revised XXXX and lender response: "Please see attached credit supplement and updated XXXX/approval. The borrower stated the new XXXX loan was obtained in order to consolidate prior loans, but XXXX included all three as debts initially. The credit supplement confirms the earlier two were paid off and only the new debt remains. Including the XXXX, DTI is now XX%." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620740 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620741 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620162 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620658 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Missing Notice of Right to Cancel for XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620671 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620717 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620742 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance cert. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report however, processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance cert. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620659 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620774 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620682 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620846 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620653 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620695 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620683 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620759 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620826 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620766 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620743 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal tracking attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal tracking attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620814 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621476 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620730 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620804 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing. Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620718 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620708 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621063 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620775 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620755 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LEs, CDs and COCs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received appraisal delivery evidence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received appraisal delivery evidence. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | TRID | TRID: Initial Loan Estimate does not met general requirements for a good faith estimate. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620776 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620726 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620815 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620719 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620777 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX | |||||
| SAIF202620787 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620793 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620709 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620839 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620765 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620737 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620696 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620731 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620735 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620720 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620721 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620847 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621022 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620697 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please downgrade to evX for incorrect form - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-please downgrade to evX for incorrect form - Seller-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202620697 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act for both borrowers. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. USA patriot act disclosure for both borrowers uploaded - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure US Patriot Act Disclosure is missing for Borrower X & Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. USA patriot act disclosure for both borrowers uploaded - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act for both borrowers. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620722 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620723 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620821 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620727 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620732 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621187 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620691 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. deed of trust with pud rider attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing the PUD Rider prepared and executed with the DOT provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. deed of trust with pud rider attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620691 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received RTC signed by BX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CB signed NORTC - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Missing ROR evidencing the Co-borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CB signed NORTC - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received RTC signed by BX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620744 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621023 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620890 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620778 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620794 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620630 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620745 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender provided updated escrow analysis reflecting no escrow shortage. Revised XXXX not required as change in nominal and doesn't impact DTI by > X%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Escrow analysis was recompleted prior to close and borrowers do not actually have escrow shortage, see attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide updated XXXX detailing other housing expenses OR VOM that validates the amount list on the XXXX. XXXX reflects other payment as $X.XX however in loan inquiry on pg#XXX shows escrow shortage as $XX.XX (XXX.XX/XX). There is no supporting document to verify the other payment of $X.XX, being conservatively considering the payment of $XX.XX into DTI calculation impact the DTI tolerance of XX%. Provide Supporting document or revised XXXX with accurate payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Escrow analysis was recompleted prior to close and borrowers do not actually have escrow shortage, see attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Lender provided updated escrow analysis reflecting no escrow shortage. Revised XXXX not required as change in nominal and doesn't impact DTI by > X%. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620805 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620746 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(X) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial LE with transfer info - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial LE with transfer info - Seller-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking provided supporting evidence of homeownership counseling disclosure delivery - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking provided supporting evidence of homeownership counseling disclosure delivery - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. econsent uploaded - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. econsent uploaded - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. appraisal delivery - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. appraisal delivery - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE, revised LE, initial CD and revised CD uploaded - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE, revised LE, initial CD and revised CD uploaded - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial LE - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. initial LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620779 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded disclosure tracking supporting delivery of appraisal disclosure w/in X days of app - Seller-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded disclosure tracking supporting delivery of appraisal disclosure w/in X days of app - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620756 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620788 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620747 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620710 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received revised LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing revised LE issued within X business days of the XX/XX/XXXX rate lock date. Disclosure tracking form (pg XXX) reflects loan was locked on XX/XX/XXXX and the revised LE due by XX/XX/XXXX. Disclosure tracking (pg XXX) reflects a revised LE was issued on XX/XX/XXXX and received by the borrower on XX/XX/XXXX, however the revised LE is not provided. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620758 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620780 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620724 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620840 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620978 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620883 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620781 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620770 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620820 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620876 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620949 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620827 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620795 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620836 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621070 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620950 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, correction attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX incorrectly reflects the P&I payment as the PITI payment. The VOM disclosed the Xst mortgage P&I payment as $XXX.XX vs $X,XXX.XX on the XXXX. With the corrected payment, the DTI decreased from XX.XX% to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, correction attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621502 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-X/XX/XXXX- received PCCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On review, CD was not sent timely. COC date was X/X, CD was sent X/XX. Attached is the cure for the disclosure error. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. On review, CD was not sent timely. COC date was X/X, CD was sent X/XX. Attached is the cure for the disclosure error. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX- received PCCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621502 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620763 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620757 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached, page X - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The Final XXXX provided is not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached, page X - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620757 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620782 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620877 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620796 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620816 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of HOC issuance - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of HOC issuance - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received esign consent - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received esign consent - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received proof of borrower receipt of appraisal on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal tracking attached. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal tracking attached. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received proof of borrower receipt of appraisal on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received ILE with servicing verbiage - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received ILE with servicing verbiage - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of Privacy Disclosure issuance - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received evidence of Privacy Disclosure issuance - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-X/XX/XXXX - received ILE - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received ILE - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-X/XX/XXXX - received evidence of Right to Copy of Appraisal disclosure issuance - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received evidence of Right to Copy of Appraisal disclosure issuance - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/X/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/X/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620797 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-X/XX/XXXX - received initial TRID disclosures and all LEs/CDs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received initial TRID disclosures and all LEs/CDs - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621220 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated VVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE prior to close, the provided VOE in the file is more than XX business days old Prior to Close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated VVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620873 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620808 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620979 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response attesting QM status should be non-QM. "We have another data tape error on this case, attached is the correction. I’ll submit it as a comment in LM as well, thank you!" - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Submitted correction via email - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Submitted correction via email - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response attesting QM status should be non-QM. "We have another data tape error on this case, attached is the correction. I’ll submit it as a comment in LM as well, thank you!" - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620902 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620951 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620798 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620817 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620969 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620841 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620799 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620868 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXX.XX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXX.XX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXX.XX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXX.XX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal tracking attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal tracking attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620884 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620800 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621137 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620801 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620869 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620837 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620736 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620859 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621132 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620939 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620818 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620907 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided X/XX/XXXX - received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620952 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620963 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620885 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620819 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620878 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620838 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620879 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620851 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620828 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620896 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620970 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621185 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620848 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620860 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE supporting commission income used to qualify. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX and XXXX Commission income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE supporting commission income used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620855 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620897 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621085 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620829 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620830 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620962 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received documentation the fraud alert on credit was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cert attached - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cert attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received documentation the fraud alert on credit was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621040 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620852 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620861 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621000 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620940 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620853 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620856 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620919 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of executed DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of executed DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620919 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-XX/XX/XXXX - Received copy of executed Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received copy of executed Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620898 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620953 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621024 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620886 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620899 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. Missing both Right to Receive Appraisal disclosure issued within X days of the application and evidence a copy of appraisal was provided to the borrower no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing both Right to Receive Appraisal disclosure issued within X days of the application and evidence a copy of appraisal was provided to the borrower no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete The Security Deed is missing the borrower's signatures and notary page. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620920 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of Note. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620880 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620908 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620909 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621025 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620954 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620943 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621265 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620887 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620921 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621001 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620900 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620971 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621026 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620922 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620901 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621041 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620955 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620972 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620956 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620973 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621071 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620923 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620910 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620888 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620927 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621002 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621229 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Missing any revised LEs and/or revised CDs with corresponding COCs. Only the final CD was present in the loan file. Separate findings have been set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621163 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202620957 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621079 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response attesting QM Status should be Non-QM. "This case has a finding for the loan being categorized as High Price QM rather than Non-QM. Attached is the corrected data tape with the loan as Non-QM." Submitted revised data tape to XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Submitted corrected data tape with this case as non-QM. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Submitted corrected data tape with this case as non-QM. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response attesting QM Status should be Non-QM. "This case has a finding for the loan being categorized as High Price QM rather than Non-QM. Attached is the corrected data tape with the loan as Non-QM." Submitted revised data tape to XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620991 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621003 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620924 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620944 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620925 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620974 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621086 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621027 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620926 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621057 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620958 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621028 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621029 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620967 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620975 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621058 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621004 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202620959 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621064 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621005 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620980 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620976 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621072 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621006 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621011 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620988 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621036 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620989 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620960 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620854 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620977 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621037 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620961 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This appears to have been included in the binder already provided. If the finding is legitimate, can you clarify? - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This appears to have been included in the binder already provided. If the finding is legitimate, can you clarify? - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence AVM sent to borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal tracking of AVM delivery attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal tracking of AVM delivery attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence AVM sent to borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621266 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621138 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621030 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621031 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621125 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621156 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621048 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620767 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621007 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620990 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621054 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-waterfall - Seller-XX/XX/XXXX Open-Audited DTI of XX.X% exceeds Guideline DTI of XX% The DTI increased from XX.XX% to XX.XX% at time of audit. The DTI increased due to the debt from XXXX for $XXX.XX monthly. The debt payment was not disclosed on the XXXX and excluding the debt was not verified. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-waterfall - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621054 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-waterfall - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided A revised XXXX/Approval is required. The DTI increased from XX.XX% to XX.XX% at time of audit. The DTI increased due to the debt from XXXX for $XXX.XX monthly. The debt payment was not disclosed on the XXXX and excluding the debt was not verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-waterfall - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621054 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. In accordance with the guidelines, this loan is not included in debt to income ratios because it is secured by a financial asset. The asset statement is attached and shows the loan number on page X under Account Information. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The DTI increased from XX.XX% to XX.XX% at time of audit. The DTI increased due to the debt from XXXX for $XXX.XX monthly. The debt payment was not disclosed on the XXXX and excluding the debt was not verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. In accordance with the guidelines, this loan is not included in debt to income ratios because it is secured by a financial asset. The asset statement is attached and shows the loan number on page X under Account Information. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - XXXX statement provided as collateral reflecting the loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621105 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621080 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621032 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - SS card verified by signing agent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-BorrowerX also provided social security card, verified by signing agent. Only one form of identification is required. - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided No photo ID or USA Patriot Act for Borrower X with ID License Expiration information completed by the closing agent was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-BorrowerX also provided social security card, verified by signing agent. Only one form of identification is required. - Seller-XX/XX/XXXX |
Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - SS card verified by signing agent. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621087 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621258 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621088 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621131 | XXXX | XXXX | D | A | C | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received X consecutive weeks of paystubs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X weeks attached - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Missing paystub for period beginning XX/XX/XXXX and ending XX/XX/XXXX. The paystubs provided cover a X-week pay period only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X weeks attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received X consecutive weeks of paystubs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621131 | XXXX | XXXX | D | A | C | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received ROR for borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction. Only ROR provided is for non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received ROR for borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621192 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621537 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621106 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-waterfall - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - No attachment. Please provide revised LE issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-waterfall - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received comment from lender "X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X." There is no LE issued on XX/XX/XXXX provided in the image file. Initial LE provided was issued XX/XX/XXXX and then there is a revised LE issued on XX/XX/XXXX. Please provided revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X. - Seller-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Missing revised LE issued within X business days of the rate lock, XX/XX/XXXX. The Disclosure Tracking Details (pg XXX) reflects the revised LE was sent to the borrower on XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-waterfall - Seller-XX/XX/XXXX Ready for Review-waterfall - Seller-XX/XX/XXXX Ready for Review-X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621106 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. apologies; attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - No attachment. Please provide revised LE issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached. Original comment sounded as though it was stating the X/X LE was too late, not that it was missing. Apologies. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received comment from lender "X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X." There is no LE issued on XX/XX/XXXX provided in the image file. Initial LE provided was issued XX/XX/XXXX and then there is a revised LE issued on XX/XX/XXXX. Please provided revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X. - Seller-XX/XX/XXXX Open-Missing revised LE issued within X business days of the rate lock, XX/XX/XXXX. The Disclosure Tracking Details (pg XXX) reflects the revised LE was sent to the borrower on XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. apologies; attached. - Seller-XX/XX/XXXX Ready for Review-Attached. Original comment sounded as though it was stating the X/X LE was too late, not that it was missing. Apologies. - Seller-XX/XX/XXXX Ready for Review-X/X is three business days after X/XX. X/XX, X/XX, then X/X was a Sunday, sent on X/X. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621106 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-XX/XX/XXXX - Received WVOE with OT breakdown. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out the XXXX and XXXX overtime income used to qualify. The OT income is required to keep the DTI under XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received WVOE with OT breakdown. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621035 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621033 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621012 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621107 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620426 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621143 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621008 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621013 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621089 | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-X/XX/XXXX - received alert verified as requested by customer. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal cert attached - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal cert attached - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received alert verified as requested by customer. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621049 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621078 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received O&E for correct borrower and address. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Wrong report uploaded to file, attached is the correct report. - Seller-XX/XX/XXXX Open-Title Document is missing The Title Document is missing. The E&O provided does not match the subject property address. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Wrong report uploaded to file, attached is the correct report. - Seller-XX/XX/XXXX |
Resolved-Received O&E for correct borrower and address. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621073 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621164 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621009 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621046 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621213 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Resolved as the COC for the lock extension on XX/XX/XXXX disclosed the increase to points on the XX/XX/XXXX revised CD. CE reflects no tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Appear the CD was not sent timely. This change was disclosed with the X/X/XX CD. Initial calculation suggests cure for this error would be $XXX.XX, please confirm cure amount and it will then be requested. - Seller-XX/XX/XXXX Open-Missing revised CD issued within X business days of XX/XX/XXXX COC date. Disclosure Tracking form (pg XXX) reflects changes received XX/XX/XXXX and revised CD due by XX/XX/XXXX. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Appear the CD was not sent timely. This change was disclosed with the X/X/XX CD. Initial calculation suggests cure for this error would be $XXX.XX, please confirm cure amount and it will then be requested. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Resolved as the COC for the lock extension on XX/XX/XXXX disclosed the increase to points on the XX/XX/XXXX revised CD. CE reflects no tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621108 | XXXX | XXXX | C | B | C | B | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Waived-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX has approved an exception to include this income as qualifying. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received additional documentation from the lender and comment that "The borrower is the fiduciary for his father, and therefore legally controls the funds received for benefits." Phoenix acknowledges that a VA fiduciary is authorized to manage the veteran's benefits for the veteran's benefit. The fiduciary has a legal duty to use those funds in the veteran's best interest; however, the funds do not become the fiduciary's personal income and generally cannot be used to qualify the fiduciary for a loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review the attached. The borrower is the fiduciary for his father, and therefore legally controls the funds received for benefits. - Seller-XX/XX/XXXX Counter-X/XX/XXXX - received lender response "Unable to resolve". Please provide written advisement from XXXX whether this loan is to be withdrawn from purchase. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-CI - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received lender comment "The borrower is named as custodian on the VA benefits decision and is listed as the representative payee on the veteran's VA credit union accounts. These should demonstrate he receives the VA payments." Phoenix acknowledges the borrower is his father's custodian, guardian and/or representative payee and that the father lives with the borrower and the borrower uses some funds for household expenses; however the documentation provided does not change the fact that the income does not belong to the borrower and therefore cannot be used to qualify, as it legally belongs to the father, not the borrower. Please note this was escalated and reviewed with the due diligence manager. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower is named as custodian on the VA benefits decision and is listed as the representative payee on the veteran's VA credit union accounts. These should demonstrate he receives the VA payments. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements DTI of XXX.XX% exceeds program max of XX%. Unable to use VA disability income as it is not in the borrower's name, nor is it paid directly to the borrower. Only the caretaker income can be used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX has approved an exception to include this income as qualifying. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please review the attached. The borrower is the fiduciary for his father, and therefore legally controls the funds received for benefits. - Seller-XX/XX/XXXX Unable to Resolve-Unable to Resolve-CI - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower is named as custodian on the VA benefits decision and is listed as the representative payee on the veteran's VA credit union accounts. These should demonstrate he receives the VA payments. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | XXXX | |||
| SAIF202621108 | XXXX | XXXX | C | B | C | B | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Received additional documentation from the lender and comment that "The borrower is the fiduciary for his father, and therefore legally controls the funds received for benefits." Phoenix acknowledges that a VA fiduciary is authorized to manage the veteran's benefits for the veteran's benefit. The fiduciary has a legal duty to use those funds in the veteran's best interest; however, the funds do not become the fiduciary's personal income and generally cannot be used to qualify the fiduciary for a loan. - Due Diligence Vendor-XX/XX/XXXX Counter-X/XX/XXXX - received lender response "Unable to resolve". Please provide written advisement from XXXX whether this loan is to be withdrawn from purchase. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Unable to Clear moved to CI - Seller-XX/XX/XXXX Open-Audited DTI of XXX.XX% exceeds Guideline DTI of XX% DTI of XXX.XX% exceeds program max of XX%. Unable to use VA disability income as it is not in the borrower's name, nor is it paid directly to the borrower. Only the caretaker income can be used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Unable to Clear moved to CI - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | XXXX | ||||
| SAIF202621108 | XXXX | XXXX | C | B | C | B | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Received additional documentation from the lender and comment that "The borrower is the fiduciary for his father, and therefore legally controls the funds received for benefits." Phoenix acknowledges that a VA fiduciary is authorized to manage the veteran's benefits for the veteran's benefit. The fiduciary has a legal duty to use those funds in the veteran's best interest; however, the funds do not become the fiduciary's personal income and generally cannot be used to qualify the fiduciary for a loan. - Due Diligence Vendor-XX/XX/XXXX Counter-X/XX/XXXX - received lender response "Unable to resolve". Please provide written advisement from XXXX whether this loan is to be withdrawn from purchase. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-CI - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing revised XXXX removing VA Disability income of $X,XXX/mo and reflecting DTI of XXX.XX%. VA disability income is not in the borrower's name, nor is it paid directly to the borrower. Only the caretaker income ($X,XXX.XX) can be used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-CI - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received attached memo (XX/XX/XXXX) with email from XXXX, stating that XXXX accepts the non-borrowing father’s VA income for qualifying, as the borrower is acting as a fiduciary for benefit of the non-borrower. Added VA income as borrower's income and revised DTI. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621010 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621074 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621157 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621090 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621050 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621051 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621151 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received lender response attesting QM status should be Non-QM. Revised bid tape reflecting non-QM uploaded. - Due Diligence Vendor-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM is reflected as Safe Harbor QM (APOR) rather then Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received lender response attesting QM status should be Non-QM. Revised bid tape reflecting non-QM uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621151 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Early copy was attached in binder, updated copy is attached here. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX reflects an incorrect loan amount of $XX,XXX.XX. The correct loan amount is $XX,XXX.XX per the closing documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Early copy was attached in binder, updated copy is attached here. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621151 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621075 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621034 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621193 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621257 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621144 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621091 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621291 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621139 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621059 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621052 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621053 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621116 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621243 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621117 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621230 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621115 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621062 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621060 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621158 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621076 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621092 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621061 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621277 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621159 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621093 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621094 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621095 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621283 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621096 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621097 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621267 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621109 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621194 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621443 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621160 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621242 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621183 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621190 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached Warranty certificate to verify the policy amount. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621440 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621114 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621140 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621516 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621110 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621204 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621098 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621161 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur and attached - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing revised XXXX with the corrected debts used in qualifying of $X,XXX and correct DTI of XX.XX%. Credit sup (pg XXX) reflects XXXXXXXXXX paid and closed XX/XX/XXXX. The XXXX provided (pg XX) reflects the payment including the paid off XXXX ($XXX.XX monthly payment). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur and attached - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621161 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621141 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621179 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621222 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621142 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621195 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621180 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621196 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621199 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621123 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621554 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621345 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621111 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621165 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621324 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621112 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621189 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621113 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621124 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621215 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621219 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621181 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621188 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed Note. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621249 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621632 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621169 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621162 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621145 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621250 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621284 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621251 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620928 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Documentation Not Provided | Resolved-X/XX/XXXX - received a duplicate copy of the borrowers Employment Authorization card which does not evidence US citizenship or permanent residence. Per GLS, this ID is allowed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing borrower's Non-US Citizen Identification Document as borrower is a permanent resident alien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received a duplicate copy of the borrowers Employment Authorization card which does not evidence US citizenship or permanent residence. Per GLS, this ID is allowed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202620928 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-X/XX/XXXX - received documentation the fraud alert was requested by the borrower and subject loan was executed borrower . - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Internal verification attached. - Seller-XX/XX/XXXX Open-Fraud victim 'Initial Alert' is noticed in credit report however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Internal verification attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received documentation the fraud alert was requested by the borrower and subject loan was executed borrower . - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621387 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621197 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621303 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received updated XXXX with corrected DTI - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, updated docs attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The BAS and BAH income of $X,XXX.XX was counted twice on the Final XXXX and XXXX. The DTI is currently X.XXX% /XX.XXX%. When the BAS and BAH is counted once, the DTI increases to XX.XX% and XX.XX%. Please Provide an updated XXXX reflecting the corrected income and DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, updated docs attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received updated XXXX with corrected DTI - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621216 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621538 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621255 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621281 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621168 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621166 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621186 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621221 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621350 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621414 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621203 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621261 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621286 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621182 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621542 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621354 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621201 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621357 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. internal tracking attached - Seller-XX/XX/XXXX Open-Missing Processor cert for the Initial Fraud alert present on the credit report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. internal tracking attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621288 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621218 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621184 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621447 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621270 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621259 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur and updated docs attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing revised XXXX with income of $X,XXX.XX; All Other Monthly Payments Used in Qualifying of $XX and DTI of XX.XX% front end and XX.XX% back end. Lender included Schedule C loss as debt instead of as income loss, resulting in DTI with > X% variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur and updated docs attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621198 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621223 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621458 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621287 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621408 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621362 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621260 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621391 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621252 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621783 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621202 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621253 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621244 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621205 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Right of Rescission | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621217 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621355 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621254 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621254 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed, notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit The executed Name Affidavit was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed, notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621504 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621167 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621394 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621589 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621593 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621337 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621385 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621615 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621300 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621380 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621518 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621285 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621256 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621747 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621289 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621406 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621351 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621336 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621323 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621322 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621269 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621301 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621278 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621773 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621519 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621318 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621609 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621510 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621282 | XXXX | XXXX | C | A | A | A | A | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XXXX - Received comment from lender "This is a common issue with VeroVALUE AVMs when the property is located in a metropolitan area. This is the same property, please note the APN matches on the AVM and title report." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a common issue with VeroVALUE AVMs when the property is located in a metropolitan area. This is the same property, please note the APN matches on the AVM and title report. - Seller-XX/XX/XXXX Open-The city from AVM does not match the Note. The AVM reflects the city as XXXX vs the Note which is XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a common issue with VeroVALUE AVMs when the property is located in a metropolitan area. This is the same property, please note the APN matches on the AVM and title report. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received comment from lender "This is a common issue with VeroVALUE AVMs when the property is located in a metropolitan area. This is the same property, please note the APN matches on the AVM and title report." - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621370 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621290 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621601 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621390 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621126 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621346 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621334 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621413 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621279 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621268 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621321 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-A Desktop appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A Desktop appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621372 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | XXXX | |||||
| SAIF202621271 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621349 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621384 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT. Data was gleaned from Note and final CD - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621356 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621325 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621417 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621341 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-XX/XX/XXXX - Received comment from lender "guideline requires first page of return. Additional documentation provided-entire tax return with loss reported in income calculation. Guidelines do not require additional tax return and XXXX return was not required to be filed at time of application and closing." Since loss was taken into account and included in DTI calculations accepting of XXXX tax returns as XXXX were not yet filed, per lender. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded S/E income guidelines, guideline requires first page of return. Additional documentation provided-entire tax return with loss reported in income calculation. Guidelines do not require additional tax return and XXXX return was not required to be filed at time of application and closing - Seller-XX/XX/XXXX Open-Borrower X Personal Tax Returns Less Than XX Months Provided File contains XXXX taxes reflecting a Schedule C loss of $X,XXX.XX/mo. Unable to locate documentation to evidence there was no additional loss in XXXX or verification that borrower has since retired and is no longer self-employed. Additional findings may apply as DTI is XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded S/E income guidelines, guideline requires first page of return. Additional documentation provided-entire tax return with loss reported in income calculation. Guidelines do not require additional tax return and XXXX return was not required to be filed at time of application and closing - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received comment from lender "guideline requires first page of return. Additional documentation provided-entire tax return with loss reported in income calculation. Guidelines do not require additional tax return and XXXX return was not required to be filed at time of application and closing." Since loss was taken into account and included in DTI calculations accepting of XXXX tax returns as XXXX were not yet filed, per lender. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621559 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621397 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620689 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621320 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621302 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621437 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621494 | XXXX | XXXX | D | B | B | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621525 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621460 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621800 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, updated XXXX attached with corrected P&I for first. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Lender considered P&I of $XXX which includes tax and insurance. However, after excluding tax and insurance, the payment is $XXX.XX impacting the tolerance of X% of DTI from XX.XX% to XX.XX%. A revised XXXX is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, updated XXXX attached with corrected P&I for first. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621280 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621604 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621416 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621367 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621335 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621369 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621602 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621676 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received Pat Act Disclosure for BX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided The USA Patriot Act Form with ID information was not provided for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received Pat Act Disclosure for BX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621352 | XXXX | XXXX | C | A | A | A | A | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XXXX - Received lender response stating "The "AVM Results Summary" section prior to VeroVALUE shows the address as XXXX. This is a common issue with DataVerify AVM addresses, specifically in the VeroVALUE section, when the property is located in a metropolitan area or location of shared territory. The address will sometimes reflect a different city name but does otherwise correctly report the subject property's data. In this case, XXXX is part of the XXXX." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The "AVM Results Summary" section prior to VeroVALUE shows the address as XXXX. This is a common issue with DataVerify AVM addresses, specifically in the VeroVALUE section, when the property is located in a metropolitan area or location of shared territory. The address will sometimes reflect a different city name but does otherwise correctly report the subject property's data. In this case, XXXX is part of the XXXX. - Seller-XX/XX/XXXX Open-The city on the AVM (page X) does not match the Note. The AVM reflects the city as XXXX vs the Note which is XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The "AVM Results Summary" section prior to VeroVALUE shows the address as XXXX. This is a common issue with DataVerify AVM addresses, specifically in the VeroVALUE section, when the property is located in a metropolitan area or location of shared territory. The address will sometimes reflect a different city name but does otherwise correctly report the subject property's data. In this case, XXXX is part of the XXXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received lender response stating "The "AVM Results Summary" section prior to VeroVALUE shows the address as XXXX. This is a common issue with DataVerify AVM addresses, specifically in the VeroVALUE section, when the property is located in a metropolitan area or location of shared territory. The address will sometimes reflect a different city name but does otherwise correctly report the subject property's data. In this case, XXXX is part of the XXXX." - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621389 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621388 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621319 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621652 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621371 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621348 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621363 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621725 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621721 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621557 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621368 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621405 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621407 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621395 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622059 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621412 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received complete executed DOT - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The attached copy should be complete. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received copy of DOT; however, page X is still missing. Provide copy of complete DOT, including page X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing complete copy of executed and notarized Deed of Trust. The DOT provided is missing pages X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The attached copy should be complete. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received complete executed DOT - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Missing any revised LEs and/or revised CDs with corresponding COCs. Only the final CD was present in the loan file. Separate findings have been set for missing initial LE and initial CD. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud alert cert attached - Seller-XX/XX/XXXX Open-'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud alert cert attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received fraud alert clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621317 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Note. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621474 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621420 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621393 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621386 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621501 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621568 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received revised LE issued X/XX/XXXX, sent X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The attached LE was sent on X/XX, despite displaying issue date of X/XX. Internal tracking shows sent date X/XX. If screenshot is needed, can provide. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Revised LE issues dated X/XX/XXXX is missing in the file TRID Rate Lock Disclosure Delivery Date Test will be resolves once the revised LE updated to the TRID compliance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The attached LE was sent on X/XX, despite displaying issue date of X/XX. Internal tracking shows sent date X/XX. If screenshot is needed, can provide. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received revised LE issued X/XX/XXXX, sent X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621568 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-X/XX/XXXX - received revised LE issued X/XX/XXXX sent X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open-Missing the Revised LE, as per the Disclosure Tracking Summary (pg. XXX), the Revised LE was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX With a written COC provided(pg.XXX). Compliance is incomplete. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received revised LE issued X/XX/XXXX sent X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621526 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621430 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621347 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621358 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621624 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621467 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621453 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622399 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621374 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621077 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Warranty Cert. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Warranty Certificate uploaded - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached Warranty certificate to verify the policy amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Warranty Certificate uploaded - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Warranty Cert. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621442 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621396 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621409 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621415 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621366 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621421 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621535 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621419 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621562 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621423 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621468 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621677 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621663 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621410 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621445 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621499 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621530 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621714 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621495 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621411 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provided. - Due Diligence Vendor-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provided. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Loan amount exceeds $XX,XXX with an AVM valuation. Loan tested for QM Points and Fees with a pass. Evidence of Right to Receive a Copy of Appraisal Disclosure issuance and borrower receipt of copy of valuation was provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621478 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621422 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621539 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621670 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621438 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621475 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621446 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621511 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621459 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621625 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-X/XX/XXXX - received complete LE issued X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX Open-Missing page X of revised LE dated X/X/XXXX. Provide updated revised LE with the page X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received complete LE issued X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621643 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621549 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621418 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621563 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621436 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621678 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621496 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621616 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621603 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621477 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621473 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621571 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621826 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621441 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( XX CFR §XXXX.XX(b)(X), (e)(X) )This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is X.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Compliance General | Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX Open-Provide any revised LEs and CDs with corresponding COCs. Only the final CD was provided in the image file. Separate findings set for missing initial LE and initial CD. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TRID package attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided a Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial CD, any corresponding COC and evidence the borrower received the disclosure X days prior to consummation. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence a Right to Receive Appraisal disclosure issued within X days of the application date was provided to the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received disclosure. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621541 | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of executed, recorded DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. Data was gleaned from Note and final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of executed, recorded DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621592 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621532 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621512 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621513 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621492 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621514 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621560 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621498 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621723 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621200 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621672 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620789 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621444 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621639 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621536 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621718 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Borrower X WVOE Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received WVOE with bonus income identified. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. WVOE attached with bonus income info. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing A WVOE or XXXX year-end paystubs were not provided to verify the bonus income for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. WVOE attached with bonus income info. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received WVOE with bonus income identified. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621718 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response confirming no lien filed. "There is no indication of an associated lien, as an NOC does not necessarily indicate any such lien was placed. Rather, if the contractor was unpaid, they would have filed a Claim of Lien later. XXXX records show no such claim has been filed." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the notice of commencement. There is no indication of an associated lien, as an NOC does not necessarily indicate any such lien was placed. Rather, if the contractor was unpaid, they would have filed a Claim of Lien later. XXXX records show no such claim has been filed. - Seller-XX/XX/XXXX Open-Property Title Issue A copy of the Notice of Commencement was not provided. Title Commitment, Schedule B, item #XX. A copy of the notice and release details is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the notice of commencement. There is no indication of an associated lien, as an NOC does not necessarily indicate any such lien was placed. Rather, if the contractor was unpaid, they would have filed a Claim of Lien later. XXXX records show no such claim has been filed. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response confirming no lien filed. "There is no indication of an associated lien, as an NOC does not necessarily indicate any such lien was placed. Rather, if the contractor was unpaid, they would have filed a Claim of Lien later. XXXX records show no such claim has been filed." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621500 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621611 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621736 | XXXX | XXXX | C | A | A | A | A | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Property | Ineligible Property | Resolved-XX/XX/XXXX: Received lender comment "This is an error on the appraiser's part - the first page of the appraisal shows two Manufacturer's Serial Numbers and two HUD Certification Label Numbers, which indicates two sections. It appears the appraiser selected "X" by mistake when they meant to select X." (Also note the appraisal photos show two external HUD Data Labels and the internal Data Plate confirms both label numbers and serial numbers, confirming this is a two-section/double-wide property.)" - Due Diligence Vendor-XX/XX/XXXX Ready for Review-(Also note the appraisal photos show two external HUD Data Labels and the internal Data Plate confirms both label numbers and serial numbers, confirming this is a two-section/double-wide property.) - Seller-XX/XX/XXXX Ready for Review-This is an error on the appraiser's part - the first page of the appraisal shows two Manufacturer's Serial Numbers and two HUD Certification Label Numbers, which indicates two sections. It appears the appraiser selected "X" by mistake when they meant to select "X." - Seller-XX/XX/XXXX Open-Appraisal is marked as a one section/single-wide manufactured home which is an ineligible property typer per the guidelines. Appraiser to verify if the subject is single-wide, double-wide or multi-wide manufactured home. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-(Also note the appraisal photos show two external HUD Data Labels and the internal Data Plate confirms both label numbers and serial numbers, confirming this is a two-section/double-wide property.) - Seller-XX/XX/XXXX Ready for Review-This is an error on the appraiser's part - the first page of the appraisal shows two Manufacturer's Serial Numbers and two HUD Certification Label Numbers, which indicates two sections. It appears the appraiser selected "X" by mistake when they meant to select "X." - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX: Received lender comment "This is an error on the appraiser's part - the first page of the appraisal shows two Manufacturer's Serial Numbers and two HUD Certification Label Numbers, which indicates two sections. It appears the appraiser selected "X" by mistake when they meant to select X." (Also note the appraisal photos show two external HUD Data Labels and the internal Data Plate confirms both label numbers and serial numbers, confirming this is a two-section/double-wide property.)" - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621540 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621497 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621626 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621515 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621944 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621617 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621608 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621493 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621582 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected PCCD attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Provide PCCD with Title Service fees in section C. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Appears the borrower shopped for title services, recommended provider was XXXX and final provider was Stewart. - Seller-XX/XX/XXXX Open-Title service fees increased from $XXX to $XXX from the baseline LE to the final CD. Missing evidence the borrower was reimbursed $XXX.XX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected PCCD attached. - Seller-XX/XX/XXXX Ready for Review-Appears the borrower shopped for title services, recommended provider was XXXX and final provider was Stewart. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621582 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX Open-Title service fees increased from $XXX to XXX, however no valid COC was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621582 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621582 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with title fees in section C, as borrower shopped and choose their own provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621517 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621621 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621955 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-XX/XX/XXXX - Received RCE reflecting replacement cost of $XXX,XXX. Coverage on HOI policy is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Replacement Cost Estimator attached. Coverage exceeds replacement cost. - Seller-XX/XX/XXXX Counter-X/XX/XXXX - received XXXX adequate coverage calculation based on their guidelines. Per XXXX guidelines, coverage must be equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. Please provide a XXXX exception approval to clear. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Subject is a manufactured home with two XXXX loans and therefore subject to the following guidelines-- XXXX Portfolio Manufactured Homes Existing coverage limits may be acceptable for loans currently serviced by XXXX. All efforts to meet the coverage limits should be made; however, due to historical depreciation existing coverage limit may be accepted for XXXX Portfolio Manufactured Homes ONLY. Any Loan Amount increases greater than XX% above the original XXXX Loan Amount being refinanced will require an increase in Dwelling Coverage to cover the difference. Calculator attached showing this transaction meets these guidelines. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal, no guaranteed replacement coverage is noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Replacement Cost Estimator attached. Coverage exceeds replacement cost. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Subject is a manufactured home with two XXXX loans and therefore subject to the following guidelines-- XXXX Portfolio Manufactured Homes Existing coverage limits may be acceptable for loans currently serviced by XXXX. All efforts to meet the coverage limits should be made; however, due to historical depreciation existing coverage limit may be accepted for XXXX Portfolio Manufactured Homes ONLY. Any Loan Amount increases greater than XX% above the original XXXX Loan Amount being refinanced will require an increase in Dwelling Coverage to cover the difference. Calculator attached showing this transaction meets these guidelines. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received RCE reflecting replacement cost of $XXX,XXX. Coverage on HOI policy is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621955 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621503 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621353 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621623 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621534 | XXXX | XXXX | C | A | A | A | A | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XXXX - Received comment from lender "This is a common issue with DataVerify/VeroVALUE AVMs when a property is located in a metro area. However please note this is the subject property, as can be verified with the APN matching between the AVM and the title report. No associated risk." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a common issue with DataVerify/VeroVALUE AVMs when a property is located in a metro area. However please note this is the subject property, as can be verified with the APN matching between the AVM and the title report. No associated risk. - Seller-XX/XX/XXXX Open-The city from AVM does not match the Note. The AVM reflects the city as XXXX vs the Note is XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a common issue with DataVerify/VeroVALUE AVMs when a property is located in a metro area. However please note this is the subject property, as can be verified with the APN matching between the AVM and the title report. No associated risk. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received comment from lender "This is a common issue with DataVerify/VeroVALUE AVMs when a property is located in a metro area. However please note this is the subject property, as can be verified with the APN matching between the AVM and the title report. No associated risk." - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621830 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621527 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621715 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621555 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621586 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621556 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621558 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621646 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621587 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621671 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621645 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621894 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621550 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621605 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621590 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621392 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621774 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621697 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622174 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621917 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621667 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621618 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622543 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621606 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received lender response attesting QM status should be Non-QM. Revised bid tape provided and uploaded. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X was approved with SSA income, borrower X with self-employed XX-month bank statements. Since borrower X was approved with XX months bank statements, the loan designation should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered Borrower X was approved with SSA income, borrower X with self-employed XX-month bank statements. Since borrower X was approved with XX months bank statements, the loan designation should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received lender response attesting QM status should be Non-QM. Revised bid tape provided and uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621533 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621653 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621588 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621710 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621561 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621584 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621583 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621704 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621628 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621722 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621591 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621364 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621849 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621595 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621629 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received completed Pat Act form. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided No photo ID or USA Patriot Act with ID information completed by the closing agent was provided. The disclosure provided (pg XX) is blank. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received completed Pat Act form. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621801 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621724 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621570 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621056 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621654 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621596 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621627 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621708 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621789 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621612 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621776 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621766 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622070 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621831 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621640 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page X of DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Page X attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing complete copy of executed and notarized Deed of Trust. The DOT provided is missing pages X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Page X attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received page X of DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621439 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622117 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621585 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621641 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621691 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621679 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621669 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621607 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621673 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621705 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621674 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621709 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621610 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621692 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621655 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621622 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621706 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620933 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621790 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621686 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621707 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621666 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621698 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621644 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621752 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621665 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621373 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621668 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621642 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621815 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated title with $XXX,XXX mortgage to lender XXXX, from borrowers XXXX and XXXX removed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected title report attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Please provide updated Title Report removing paragraph #X ($XXX,XXX mortgage to lender XXXX, from borrowers XXXX and XXXX) from Open Mortgages/Deed of Trust and Unreleased Liens section. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This appears to be a recording error. This mortgage was recorded in XXXX, the same year the subject property was constructed according to the appraisal. The subject borrowers are the first owners of the property, having purchased it from XXXX in XXXX according to public records. XXXX and XXXX own the neighboring property at XXXX (subject property is XXXXX). - Seller-XX/XX/XXXX Open-Property Title Issue Additional lien under different borrowers is listed on the Title Search O&E for $XXX,XXX.XX (title item #X). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected title report attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. This appears to be a recording error. This mortgage was recorded in XXXX, the same year the subject property was constructed according to the appraisal. The subject borrowers are the first owners of the property, having purchased it from XXXX in XXXX according to public records. XXXX and XXXX own the neighboring property at XXXX (subject property is XXXXX). - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated title with $XXX,XXX mortgage to lender XXXX, from borrowers XXXX and XXXX removed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621844 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622330 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621731 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621647 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621656 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621767 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621737 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621680 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Lender is stating in regard to the photo id, "This is not a requirement. The form states "Only one form of verification of required." While a photo ID is not a requirement, it is highly suggested and typically recorded as the notary would require it for the DOT. However, the lender is accepting the Pat Act form without a the photo id recorded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is not a requirement. The form states "Only one form of verification of required." - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided A photo ID or second form of identification was not provided on the Patriotic Act form. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is not a requirement. The form states "Only one form of verification of required." - Seller-XX/XX/XXXX |
Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Lender is stating in regard to the photo id, "This is not a requirement. The form states "Only one form of verification of required." While a photo ID is not a requirement, it is highly suggested and typically recorded as the notary would require it for the DOT. However, the lender is accepting the Pat Act form without a the photo id recorded. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621784 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX bonus income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621784 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621738 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received renewed policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Renewal attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX The policy provided expired on XX/XX/XXXX, the Note date is XX/XX/XXXX. Please provide the renewed policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Renewal attached. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received renewed policy. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621728 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621638 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621816 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621975 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621681 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621791 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622221 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621811 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621775 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621802 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621890 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621832 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621961 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide updated XXXX with corrected CLTV & HCLTV ratio of XX.XX%. XXXX provided (pg XX) reflects XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621720 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621739 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621833 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621803 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621755 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621768 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621962 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621903 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received updated XXXX and loan approval with monthly income corrected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached corrections. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The UW income worksheet incorrectly calculated the borrower's pay periods as bi-weekly. Per the paystubs, the borrower is paid semi-monthly. The income calculation is $X,XXX.XX X XX = $XX,XXX.XX/XX= $X,XXX.XX. The DTI increased from XX.XX% to XX.XX%. A updated XXXX is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached corrections. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received updated XXXX and loan approval with monthly income corrected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621788 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621945 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Note is Incomplete The Note is missing the signature page, page X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed Note. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621733 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621732 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621792 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621814 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621817 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621153 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622509 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621818 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622143 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622475 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621819 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621793 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621845 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621868 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621798 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621846 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621829 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621756 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621757 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621963 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621834 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received Pat Act disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided A Patriot Act Form completed by the closing agent was not provided for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received Pat Act disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621850 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621754 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621827 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621804 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621753 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621758 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX: Received page X executed by borrowers. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The Final CD is Partially provided, Missing page X of Final CD, Unable to verify the Borrower signature and the loan calculation information. Data was gleaned from duplicate copy of Final CD in Pg.#XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX: Received page X executed by borrowers. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621869 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621759 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622018 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621820 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621777 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621760 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621870 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621964 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621835 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621871 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621872 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621873 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621924 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622089 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621851 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621908 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621852 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621895 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621836 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621909 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621862 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622118 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621874 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621837 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620596 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621847 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622243 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621828 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621896 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621891 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621918 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621932 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622027 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621875 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622180 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621863 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621897 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621898 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621853 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621838 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621956 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621864 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 2 Residency Documentation is Missing | Resolved-XX/XX/XXXX - Received copy of I-XXX card. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The co-borrower is Permanent Resident per the XXXX. A copy of their Non-Citizen ID was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received copy of I-XXX card. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621876 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622132 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621976 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621925 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621946 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621947 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621933 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621854 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621919 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with tip income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing the WVOE breaking out XXXX & XXXX base and tip income. Tip income was used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with tip income. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621919 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621930 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621848 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622019 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621910 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX Overtime income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621911 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621855 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621877 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621315 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202621878 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621931 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622119 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621879 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621977 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. correction attached - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Provide updated XXXX with corrected CLTV & HCLTV ratio of XX.XX%. XXXX provided (pg XX) reflects XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. correction attached - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621977 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No photo ID or USA Patriot Act with ID information completed by the closing agent was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621978 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621999 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622153 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622090 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621920 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622130 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621916 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621979 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received correct O&E Report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected title report attached, listing was a duplicate. - Seller-XX/XX/XXXX Open-Property Title Issue Additional lien reflected on the Title Search for $XXX,XXX.XX was not paid off at closing. Title item #X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected title report attached, listing was a duplicate. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX: Received correct O&E Report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621934 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622004 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621957 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621921 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622035 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621980 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621981 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received complete copy of final XXXX, including pg X. Accepting unexecuted copy as only page X is needed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Final XXXX is missing page X of XX, which is borrower X Personal Information and Employment Information. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received complete copy of final XXXX, including pg X. Accepting unexecuted copy as only page X is needed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622036 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622071 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621948 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621635 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622154 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622005 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622651 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621381 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621129 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX removing "other" monthly payment amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This appears to have been an attempt to adjust for a data error that was already corrected. Removed; updated XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg XX) reflects $XXX.XX "other" monthly payment in PITI but does not state what it is for. XXXX states no escrow shortage and Loan Inquiry (pg XXX) also reflects no escrow shortage. No MI on VA senior lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This appears to have been an attempt to adjust for a data error that was already corrected. Removed; updated XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX removing "other" monthly payment amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622262 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622133 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621949 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621950 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - No cure due for loan amount, however the discount point increased and wasn't disclosed to the borrower within X days of the XX/XX/XXXX change date. Unable to resolve this finding until the X% tolerance finding is cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-It appears this change was not disclosed on a CD to the borrower timely, however no cure would be due for the reduction in loan amount. The borrower changed the occupancy designation of the property from second home to investment, which required a reduction in the loan amount due to LTV maximums. - Seller-XX/XX/XXXX Open-Per the COC, the loan amount changed on XX/XX/XXXX. A revised CD is required X business days of the XX/XX/XXXX loan amount change. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-It appears this change was not disclosed on a CD to the borrower timely, however no cure would be due for the reduction in loan amount. The borrower changed the occupancy designation of the property from second home to investment, which required a reduction in the loan amount due to LTV maximums. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cure processed, docs attached. - Seller-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The CD sent to the borrower on XX/XX/XXXX disclosed $XXX.XX in added Points. A COC for that change was not provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cure processed, docs attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Lock provided (pg XXX) reflecting X.XXX% and discount pts is dated XX/XX/XXXX. Revised CD reflecting changes is dated XX/XX/XXXX, which is more than X business days. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-These were bona fide discount points chosen by the borrower. The base interest rate was X.XX% with no discount points paid, and was reduced to X.XXX% with the addition of the $XXX.XX in added points. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The CD sent to the borrower on XX/XX/XXXX disclosed $XXX.XX in added Points. A COC for that change was not provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-These were bona fide discount points chosen by the borrower. The base interest rate was X.XX% with no discount points paid, and was reduced to X.XXX% with the addition of the $XXX.XX in added points. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The CD sent to the borrower on XX/XX/XXXX disclosed $XXX.XX in added Points. A COC for that change was not provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- The CD sent to the borrower on XX/XX/XXXX disclosed $XXX.XX in added Points. A COC for that change was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PCCD with cure for amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202621965 | XXXX | XXXX | D | A | A | A | D | A | C | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XXXX - Received lender response "At the time of the appraisal, the subject property was disclosed as a second home. Later, the borrower changed that designation to investment. Given that initial disclosure and the lack of a tenant in the property at the time, Owner was the correct designation." Agreed and resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-At the time of the appraisal, the subject property was disclosed as a second home. Later, the borrower changed that designation to investment. Given that initial disclosure and the lack of a tenant in the property at the time, Owner was the correct designation. - Seller-XX/XX/XXXX Open-The Appraisal incorrectly reflects the subject property as Owner Occupied on page X. The loan was approved and closed as a SFR investment property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-At the time of the appraisal, the subject property was disclosed as a second home. Later, the borrower changed that designation to investment. Given that initial disclosure and the lack of a tenant in the property at the time, Owner was the correct designation. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received lender response "At the time of the appraisal, the subject property was disclosed as a second home. Later, the borrower changed that designation to investment. Given that initial disclosure and the lack of a tenant in the property at the time, Owner was the correct designation." Agreed and resolved. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622181 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621982 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622000 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621926 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622085 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622006 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621856 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622007 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received fully executed copy of DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing executed copy of DOT. Copy of DOT provided is missing signature page (pg X). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received fully executed copy of DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622045 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621922 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621927 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621935 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622263 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621966 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621432 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-XX/XX/XXXX - Received explanation from lender "Attached is the contemporaneous paystub with matching total YTD income ($XX,XXX.XX). According to the complete income breakdown, that total is composed of regular, overtime, bonus, PTO, and then other categories such as Guaranteed Overtime, Discretionary Bonus, Guaranteed Regular Time. The breakdown on the VOE does not cleanly reconcile with the categorization on the paystub, but the total income does match and all the described types of income are acceptable and sufficiently documented with X year history where applicable. The regular income on the paystub matches the base income on the VOE, and the overtime income on the paystub matches the overtime income on the VOE, the remaining income categories are split up between the Bonus and Other sections on the VOE." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the contemporaneous paystub with matching total YTD income ($XX,XXX.XX). According to the complete income breakdown, that total is composed of regular, overtime, bonus, PTO, and then other categories such as Guaranteed Overtime, Discretionary Bonus, Guaranteed Regular Time. The breakdown on the VOE does not cleanly reconcile with the categorization on the paystub, but the total income does match and all the described types of income are acceptable and sufficiently documented with X year history where applicable. The regular income on the paystub matches the base income on the VOE, and the overtime income on the paystub matches the overtime income on the VOE, the remaining income categories are split up between the Bonus and Other sections on the VOE. - Seller-XX/XX/XXXX Open-Missing explanation regarding "Other" income reported for Borrower X. Base pay, overtime, bonus, and "Other" income were used in the income calculation and are reflected on the paystubs and WVOE. Please provide documentation and an explanation of the nature of the "Other" income so its eligibility can be evaluated and determined acceptable for qualifying purposes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the contemporaneous paystub with matching total YTD income ($XX,XXX.XX). According to the complete income breakdown, that total is composed of regular, overtime, bonus, PTO, and then other categories such as Guaranteed Overtime, Discretionary Bonus, Guaranteed Regular Time. The breakdown on the VOE does not cleanly reconcile with the categorization on the paystub, but the total income does match and all the described types of income are acceptable and sufficiently documented with X year history where applicable. The regular income on the paystub matches the base income on the VOE, and the overtime income on the paystub matches the overtime income on the VOE, the remaining income categories are split up between the Bonus and Other sections on the VOE. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received explanation from lender "Attached is the contemporaneous paystub with matching total YTD income ($XX,XXX.XX). According to the complete income breakdown, that total is composed of regular, overtime, bonus, PTO, and then other categories such as Guaranteed Overtime, Discretionary Bonus, Guaranteed Regular Time. The breakdown on the VOE does not cleanly reconcile with the categorization on the paystub, but the total income does match and all the described types of income are acceptable and sufficiently documented with X year history where applicable. The regular income on the paystub matches the base income on the VOE, and the overtime income on the paystub matches the overtime income on the VOE, the remaining income categories are split up between the Bonus and Other sections on the VOE." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621432 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided updated XXXX with the corrected property tax amount of $XXX.XX/mo. The XXXX provided (pg XX) reflects $XXX.XX/mo, which appears to be based on the semi-annual taxes, not annual taxes. DTI increases from XX.XXX%/XX.XXX% to XX.XX%/XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622060 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622134 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622028 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621983 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621984 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621967 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622695 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with corrected other monthly payment amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XXX.XX as "other" monthly payment. Loan enquiry (pg. XXX) reflects $XXX.XX ($X,XXX.XX /XX) as escrow shortage. Lender to provide clarification of the other expense $XXX.XX($XXX.XX -$XXX.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with corrected other monthly payment amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621985 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622046 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621936 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621958 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621937 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622061 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621968 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The CLTV from the XXXX exceeds the X% tolerance. The CLTV is XX.XX% vs the XXXX which reflects XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202621968 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202621938 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622297 | XXXX | XXXX | D | A | D | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated VVOE completed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Missing VVOE completed within XX business days of closing, as per guidelines. VVOE provided (pg XXX) was completed on XX/XX/XXXX (for BX), loan closed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated VVOE completed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622047 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621951 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622135 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received verification that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Re-attached, apologies. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received comment from lender "Certification attached" however, an attachment was not provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Certification attached. - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Re-attached, apologies. - Seller-XX/XX/XXXX Ready for Review-Certification attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received verification that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622144 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622013 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621969 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received revised bid tap and lender attestation that QM Status should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. XX/XX/XXXX - Received revised bid tap and lender attestation that QM Status should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622182 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621487 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621959 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621995 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622037 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622020 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621986 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622198 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622091 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622021 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622048 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622022 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622183 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622092 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622226 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622049 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622201 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622062 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622042 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622155 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622050 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622350 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Not Executed The Deed of Trust provided is not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622350 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XXXX - Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-PUD Rider is Missing The PUD Rider provided (pg XX) is not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622072 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622298 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622051 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622100 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622029 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622103 | XXXX | XXXX | D | A | D | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-XX/XX/XXXX - Received Perm Res Card. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Permanent Resident Alien card (form I-XXX) for borrower X. Fraud report states card is in file; however, unable to locate it in PDF. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Perm Res Card. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | |||
| SAIF202622299 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - Received copy of driver's license for both borrowers. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. These should have been attached to the form - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided The US Patriot Act Disclosure ID section is blank. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. These should have been attached to the form - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received copy of driver's license for both borrowers. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622063 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622073 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622120 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622030 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622215 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202622031 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622244 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622074 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The other payment reflected on the XXXX for $XX.XX was not verified. A MI payment is not on the VOM and the Escrow Analysis does not have a shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622032 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622075 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622052 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, data tape correction attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, data tape correction attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622175 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622076 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622121 | XXXX | XXXX | B | A | A | A | A | A | B | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - Received PDI reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Inspection attached, no damage. - Seller-XX/XX/XXXX Open-Missing PDI. Valuation product dated XX/XX/XXXX. Loan was consummated XX/XX/XXXX. XXXX - FEMA Declared Disaster Date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Inspection attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PDI reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622145 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622093 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622227 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622086 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622064 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622053 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622122 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622136 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622077 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622123 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622043 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622156 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622142 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that revised CD was received by both borrowers on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Audit trails attached. Closing date (signing) was X/XX, both borrowers acknowledged CDs on X/XX. - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. The revised CD (pg XXX) was issued on XX/XX/XXXX, and per the Disclosure Tracking (pg XXX) was presumed received by the borrower on XX/XX/XXXX, which is post consummation. Missing evidence the disclosure was received prior to or at closing. XXXX to verify if disclosure was received at closing. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Audit trails attached. Closing date (signing) was X/XX, both borrowers acknowledged CDs on X/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received documentation that revised CD was received by both borrowers on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622142 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOEs verifying XX+ months of employment. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Missing VVOE dated within XX business days of closing verifying XX months income for BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOEs verifying XX+ months of employment. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622142 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower X Total Years Employment Verified is Greater Than or Equal To XX Months or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOEs verifying XX+ months of employment. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached to other VVOE finding - Seller-XX/XX/XXXX Open-Borrower X Total Years Employment Verified is Less Than XX Months Missing VVOE dated within XX business days of closing verifying XX months income for BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Attached to other VVOE finding - Seller-XX/XX/XXXX |
Resolved-Borrower X Total Years Employment Verified is Greater Than or Equal To XX Months or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOEs verifying XX+ months of employment. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622142 | XXXX | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-XX/XX/XXXX - Received Permanent Resident card. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing evidence that BX is Permanent Resident/Green card. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Permanent Resident card. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622157 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622124 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622544 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, data tape correction attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Safe Harbor QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, data tape correction attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622245 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622545 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622228 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622125 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622184 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622229 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622054 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622176 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622094 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622373 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, payment removed. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The other payment disclosed on the XXXX for $XXX.XX was not verified. The VOM reflects no MI payment and the Loan Inquiry does not show an escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, payment removed. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622095 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622110 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622202 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622126 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622078 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received evidence that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Certification attached - Seller-XX/XX/XXXX Open-'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Certification attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received evidence that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622078 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622079 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622510 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622216 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202621928 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622127 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622400 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX and YTD XXXX overtime and Shift Differential (Shift X&X) income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622096 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622128 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622158 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622334 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622137 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622172 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622615 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622352 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622246 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622247 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622185 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622203 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622159 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622230 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622248 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622204 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622171 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621664 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622186 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622187 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622138 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622160 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622188 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622189 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622146 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622636 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622190 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622139 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622353 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622161 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622162 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621456 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622231 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622335 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622354 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622280 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-XX/XX/XXXX - Received report reflecting that lender cleared GSA-EPLS status on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The score at the top showing XXXX with a status of "Pass" means the flag was addressed, however it appears the response was cut off in the previous printed version. Reprinted copy attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received previously reviewed Drive Report reflecting GSA-EPLS Status of FAIL. HIGH Alert on report reflects additional steps required to clear BX. Please provide report reflecting steps have been taken and showing HIGH Alert as cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts The Fraud Report provided reflects an uncleared HIGH alert for EPLS watchlist. Please provide an updated report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The score at the top showing XXXX with a status of "Pass" means the flag was addressed, however it appears the response was cut off in the previous printed version. Reprinted copy attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received report reflecting that lender cleared GSA-EPLS status on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622163 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622277 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622164 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622165 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622300 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622264 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622191 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622192 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received evidence that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Victim- 'Initial Alert' is presented in Credit report, however processor cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received evidence that fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622281 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622583 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622265 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622266 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622374 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622193 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622249 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622267 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622282 | XXXX | XXXX | B | A | A | A | A | A | B | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - Received PDI report reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #DR-XXXX-LA, subject's county was impacted on XX/XX/XX, after appraisal inspection on XX/XX/XX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received PDI report reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622355 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Open-The Final XXXX is Incomplete Missing complete copy of executed Final XXXX. Provided final XXXX is missing the page X of demographic section and data was gleaned from the initial XXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622250 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622205 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622437 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622206 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622756 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622194 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622283 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622600 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622251 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622843 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622207 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622284 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622199 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622375 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622336 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622637 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622285 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621331 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622401 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622591 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622232 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622239 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622252 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622038 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation reflecting QM Status should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected copy attached - appears previous version the update did not carry over. - Seller-XX/XX/XXXX Counter-Document Uploaded. XX/XX/XXXX - Received email with data tape correction (uploaded above). Revised bid tape still reflects Safe Harbor QM. Transaction is XX month bank statement and should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement; however, originator QM Status is reflected as Safe Harbor QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected copy attached - appears previous version the update did not carry over. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation reflecting QM Status should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622402 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622233 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622546 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622234 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622286 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622511 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622337 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622512 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622301 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622513 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622403 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622235 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622338 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622302 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622356 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622547 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622287 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Resolving based on lender response: This is the difference between the Xst mortgage VOM payment and the documented payments in the subject loan. Xst mortgage total payment is $XXX.XX - $XXX.XX P&I - $XXX.XX HOI - $XX.XX taxes = $XX.XX. XXXX typically adds this difference back for conservative underwriting. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the difference between the Xst mortgage VOM payment and the documented payments in the subject loan. Xst mortgage total payment is $XXX.XX - $XXX.XX P&I - $XXX.XX HOI - $XX.XX taxes = $XX.XX. XXXX typically adds this difference back for conservative underwriting. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XX.XX as "other" monthly payment in PITI. Loan enquiry (pg. XXX) reflects $XX.XX (XXX.XX/XX) as escrow shortage and the VOM does not reflect any MI payment. Lender to provide clarification of the other expense amount of $XX.XX ($XX.XX-$XX.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the difference between the Xst mortgage VOM payment and the documented payments in the subject loan. Xst mortgage total payment is $XXX.XX - $XXX.XX P&I - $XXX.XX HOI - $XX.XX taxes = $XX.XX. XXXX typically adds this difference back for conservative underwriting. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Resolving based on lender response: This is the difference between the Xst mortgage VOM payment and the documented payments in the subject loan. Xst mortgage total payment is $XXX.XX - $XXX.XX P&I - $XXX.XX HOI - $XX.XX taxes = $XX.XX. XXXX typically adds this difference back for conservative underwriting. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622303 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622320 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622735 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622322 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622339 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622314 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622431 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622268 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622438 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622624 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622253 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622269 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The escrow shortage has been cured, please see attached. Existing documented PITIA is accurate. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updatedXXXX reflecting the correct PITI. The current XXXX comment section (page XX) and Loan Inquiry (page XX) reflects an escrow shortage of $XX.XX. Including this payment in DTI calculation increases the DTI over the XX% maximum. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The escrow shortage has been cured, please see attached. Existing documented PITIA is accurate. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622269 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% The current XXXX comment section (page XX) and Loan Inquiry (page XX) reflects an escrow shortage of $XX.XX. Including this payment in DTI calculation increases the DTI over the XX% maximum. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622269 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The current XXXX comment section (page XX) and Loan Inquiry (page XX) reflects an escrow shortage of $XX.XX. Including this payment in DTI calculation increases the DTI over the XX% maximum. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received documentation that there is the escrow shortage has been cured. Existing documented PITIA is accurate. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622304 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. reprinted XXXX attached - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide revised XXXX reflecting Hazard Insurance of $XXX.XX/mo. XXXX provided (pg XX) reflects HOI of $XXX.XX/mo. DTI changed from XX.XXX%/XX.XXX% to XX.XX%/XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. reprinted XXXX attached - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622304 | XXXX | XXXX | D | A | B | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received NORTC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received NORTC. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622340 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622357 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622514 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with corrected other payment amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded corrected XXXX and XXXX, other fee is MI only - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XXX.XX as "other" monthly payment in PITI but does not state what it is for. Loan inquiry (pg. XXX) states escrow shortage $XXX.XX being paid off at closing and VOM (pg.XXX) reflects $XX.XX as MI. Lender to provide clarification of the other expense $XX.XX ($XXX.XX - $XX.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded corrected XXXX and XXXX, other fee is MI only - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with corrected other payment amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622514 | XXXX | XXXX | B | B | B | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622288 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622376 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622341 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622515 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622305 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622358 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622584 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622757 | XXXX | XXXX | D | A | D | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Agreed, corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updatedXXXX reflecting the correct PITI, including tax of $XXX.XX & HOI of $XXX.XX to the DTI & HTI including this payment in DTI calculation increases the HTI/ DTI to XX.XX%/ XX.XX% which exceeds the X% tolerance. XXXX shows other monthly expense as $XX.XX per loan inquiry pg#XXX shows escrow shortage as $X.XX and VOM does not reflect any MI payment. However, XXXX does not provide any explanation for the other monthly housing expenses. Lender to provide clarification of the other expense $XX.XX ($XX.XX-$X.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Agreed, corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622359 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622417 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622306 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622349 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622307 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622516 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622758 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202622342 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622377 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622404 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with tip income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE for XXXX breaking out XXXX Tip income, which was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE with tip income. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622378 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622379 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622343 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622380 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622360 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622361 | XXXX | XXXX | B | A | B | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX and explanation that variance is the difference between the current PITI on VOM and PITI in Encompass. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This was the difference between the current PITI on VOM and PITI in Encompass, however it was slightly over-calculated. Correction attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XX.XX as "other" monthly payment in PITI which is unverified. Loan inquiry (pg. XX) reflects $XX.XX ($XXX.XX/XX) as escrow shortage. Lender to provide clarification of the other expense $XX.XX($XX.XX-$XX.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This was the difference between the current PITI on VOM and PITI in Encompass, however it was slightly over-calculated. Correction attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX and explanation that variance is the difference between the current PITI on VOM and PITI in Encompass. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622416 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622344 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622405 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622638 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622345 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622463 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622381 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622382 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622896 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622395 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622406 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The escrow shortage has been cured, see attached. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% The provided Form XXXX reflects an Other expense of $XX.XX for FHA MIP only. However, the loan inquiry document (pg. XX) shows a monthly escrow shortage of $XX.XX ($XXX.XX ÷ XX). Including both the FHA MIP and escrow shortage results in a total Other expense of $XXX.XX, increasing the DTI to XX.XX%, which exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The escrow shortage has been cured, see attached. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622406 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updated XXXX reflecting the corrected Other expense amount of $XXX.XX. %. The provided Form XXXX reflects an Other expense of $XX.XX for FHA MIP only. However, the loan inquiry document (pg. XX) shows a monthly escrow shortage of $XX.XX ($XXX.XX ÷ XX). Including both the FHA MIP and escrow shortage results in a total Other expense of $XXX.XX, increasing the DTI to XX.XX%, which exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622406 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The provided Form XXXX reflects an Other expense of $XX.XX for FHA MIP only. However, the loan inquiry document (pg. XX) shows a monthly escrow shortage of $XX.XX ($XXX.XX ÷ XX). Including both the FHA MIP and escrow shortage results in a total Other expense of $XXX.XX, increasing the DTI to XX.XX%, which exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received evidence that there is no escrow shortage. Removed from DTI. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622383 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender attestation and revised bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correction attached. Prior version appears to have been run too quickly for data correction to migrate to report. - Seller-XX/XX/XXXX Counter-Document Uploaded. XX/XX/XXXX - Received email with data tape correction (uploaded above). Revised bid tape still reflects Safe Harbor QM. Transaction is XX month bank statement and should be Non-QM. - Due Diligence Vendor-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM is reflected as Safe Harbor QM (APOR) rather then Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correction attached. Prior version appears to have been run too quickly for data correction to migrate to report. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender attestation and revised bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622384 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623040 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622407 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622548 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622549 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622385 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622362 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622517 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622471 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Confirmed, corrected data tape attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The doc Type is XX-month bank statement however originator QM Status is reflected as Safe Haber QM rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Confirmed, corrected data tape attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622471 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622652 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622408 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622537 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622687 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | SC HCCHLA High Cost Home Loan Points and Fees Threshold Test | Resolved-X/XX/XXXX - received invoice reflecting $XXX paid to affiliate and $XXX paid to "Other" - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Invoice attached with breakdown. $XXX of the fee was paid to the appraiser, $XXX was management fee paid to Consolidated Analytics. - Seller-XX/XX/XXXX Open-This loan failed the high-cost home loan points and fees threshold test due to one or more of the following findings: (SC SB XXX, §XX-XX-XX(XX)(B))The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:The loan is secured by real property and the total points and fees exceeds X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe loan is a nonreal estate loan secured manufactured housing and the total points and fees exceeds X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed the lesser of X% of the total loan amount or $XXXX if the total loan amount is less than $XX,XXX. South Carolina State High Cost fail appears to be due to appraisal being paid to Consolidated Analytics, which is a lender affiliate. Unable to locate appraisal invoice to verify who received Appraisal Fee. Final CD reflects Appraisal fee was paid to Consolidated. Lender's Mavent does not show that appraisal fee was paid to an affiliate and therefore it was not included in high cost testing. Provide acceptable documentation to verify who received the Appraisal Fee. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Invoice attached with breakdown. $XXX of the fee was paid to the appraiser, $XXX was management fee paid to Consolidated Analytics. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received invoice reflecting $XXX paid to affiliate and $XXX paid to "Other" - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622386 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622833 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622518 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622464 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622387 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622388 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622439 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622639 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622594 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622500 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape correcting QM Status to Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape correction attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape correction attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape correcting QM Status to Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622440 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622441 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622675 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622854 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622519 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622424 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622840 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622520 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622476 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622389 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| SAIF202622816 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622501 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622432 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622409 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622442 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621433 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622477 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622570 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622465 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622786 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622625 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622455 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622478 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622456 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622443 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622536 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622479 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622564 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622616 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622444 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received complete copy of LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete LE attached - Seller-XX/XX/XXXX Open-Page X of the Revised Loan Estimate issued XX/XX/XXXX is missing the Comparison section. Provide Revised LE with all required information. Compliance testing is incomplete. Additional findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete LE attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received complete copy of LE issued on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622480 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622445 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622708 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622166 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622521 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622453 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622466 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622499 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622890 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622331 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622522 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, XXXX update attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XXX.XX as "other" monthly payment in PITI stating $XXX.XX is MIP. The remaining $X.XX is unverified. The Loan enquiry (pg. X) reflects positive escrow shortage. VOM (pg.XXX) reflects $XXX.XX as MI. Lender to provide clarification of the other expense $X.XX ($XXX.XX - $XXX.XX) noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, XXXX update attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622563 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622601 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622550 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623047 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622866 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622571 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622481 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622523 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622595 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622482 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622467 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622483 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622538 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed Judgement Affidavit dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Property Title Issue The Title Commitment reflects a judgment for $XXX,XXX.XX (item #XX). A copy of the signed and notarized Judgement Affidavit is required (page XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received executed Judgement Affidavit dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622799 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622484 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622551 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622575 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622485 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622677 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622724 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided - Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided - Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622602 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622552 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622603 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Confirmed, corrected data tape attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status reflected is Safe Harbor QM rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Confirmed, corrected data tape attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape and lender attestation that QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622603 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622585 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622574 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622486 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX Open-Audited DTI of XX.X% exceeds Guideline DTI of XX% Per the VA Award Letter (pg. XXX), the borrower receives monthly VA disability income of $X,XXX.XX. When grossed up by XX%, the qualifying income should be $X,XXX ($X,XXX.XX × XXX%). However, the lender has incorrectly calculated the VA income as $X,XXX by applying the XX% gross-up twice ($X,XXX × XXX%). Correcting the VA gross-up income to $X,XXX impacts the DTI calculation, increasing it from XX.XX% to XX.XX%, which exceeds program max of XX%. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622486 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updated XXXX reflecting the corrected VA disability income of $X,XXX. Per the VA Award Letter (pg. XXX), the borrower receives monthly VA disability income of $X,XXX.XX. When grossed up by XX%, the qualifying income should be $X,XXX ($X,XXX.XX × XXX%). However, the lender has incorrectly calculated the VA income as $X,XXX by applying the XX% gross-up twice ($X,XXX × XXX%). Correcting the VA gross-up income to $X,XXX impacts the DTI calculation, increasing it from XX.XX% to XX.XX%, which exceeds the XX% DTI tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622486 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements Per the VA Award Letter (pg. XXX), the borrower receives monthly VA disability income of $X,XXX.XX. When grossed up by XX%, the qualifying income should be $X,XXX ($X,XXX.XX × XXX%). However, the lender has incorrectly calculated the VA income as $X,XXX by applying the XX% gross-up twice ($X,XXX × XXX%). Correcting the VA gross-up income to $X,XXX impacts the DTI calculation, increasing it from XX.XX% to XX.XX%, which exceeds program max of XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from the lender " Appears the intent was to gross up both the VA disability and social security, but instead the gross-up calculation was applied to the VA benefits twice. Attached XXXX displays the corrected ratios with each type of income grossed up XXX%, ratios remain acceptable." Also received revised XXXX with revised income. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622553 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622604 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622539 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622487 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622683 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622592 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622586 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622626 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622820 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622907 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622605 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with explanation that other fee is additional escrows reported on first lien piti. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX with notes regarding other fee, additional escrows reported on first lien piti - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg XX) reflects $XXX.XX "other" monthly payment in PITI but does not state what it is for. Mailing confirmation (pg XX) states no escrow shortage however Loan Inquiry (pg XXX) reflects $XXXX.XX/XX=$XXX.XX escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX with notes regarding other fee, additional escrows reported on first lien piti - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX with explanation that other fee is additional escrows reported on first lien piti. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622554 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622618 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following comment from lender: "This amount is the difference in the taxes and insurance reported on the first lien and that documented on the subject loan. Taking the total PITIA payment from the first loan and subtracting $XXXX.XX P&I, $XXX.XX HOI, and $XXX.XX taxes leaves remainder $XXX.XX. XXXX sometimes uses this method in order to underwrite conservatively." Resolving based on verifying additional amount was due to conservative underwriting. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This amount is the difference in the taxes and insurance reported on the first lien and that documented on the subject loan. Taking the total PITIA payment from the first loan and subtracting $XXXX.XX P&I, $XXX.XX HOI, and $XXX.XX taxes leaves remainder $XXX.XX. XXXX sometimes uses this method in order to underwrite conservatively. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg #XX) reflects $XXX.XX as "other" monthly payment in PITI, this stated as $XXX.XX as PITI difference in Escrow. However, the VOM on page (XXX) reflects the FHA MI as $XXX.XX, Loan enquiry pg #XXX reflects $X as escrow shortage. Provide updated XXXX explains the $XXX.XX. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This amount is the difference in the taxes and insurance reported on the first lien and that documented on the subject loan. Taking the total PITIA payment from the first loan and subtracting $XXXX.XX P&I, $XXX.XX HOI, and $XXX.XX taxes leaves remainder $XXX.XX. XXXX sometimes uses this method in order to underwrite conservatively. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following comment from lender: "This amount is the difference in the taxes and insurance reported on the first lien and that documented on the subject loan. Taking the total PITIA payment from the first loan and subtracting $XXXX.XX P&I, $XXX.XX HOI, and $XXX.XX taxes leaves remainder $XXX.XX. XXXX sometimes uses this method in order to underwrite conservatively." Resolving based on verifying additional amount was due to conservative underwriting. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622913 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622606 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622640 | XXXX | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XXXX - Received executed PUD Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-PUD Rider is Missing Missing the executed PUD Rider prepared with the Mortgage document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received executed PUD Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622587 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622641 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOI policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy. Premium of $XXX.XX/mo ($X,XXX.XX) from XXXX, used for DTI calculations, which may be adjusted upon receipt of policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received HOI policy. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622844 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622524 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622525 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622526 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622527 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622588 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622555 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622008 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622617 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622671 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622627 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622665 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622706 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622864 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622619 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622607 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622589 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622719 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622608 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622674 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622642 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622609 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622650 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622666 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A Desktop appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202622872 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622653 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622723 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623082 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622783 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622655 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622593 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622795 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622938 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape corrected and attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape corrected and attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622787 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622610 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622667 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622611 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622842 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622856 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622672 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622712 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622713 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622827 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622614 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622454 | XXXX | XXXX | C | A | C | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected data tape attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected data tape attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622643 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622644 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622834 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622805 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622790 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622821 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622730 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. data tape correction updating loan to NonQM - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Safe Harbor QM rather than Non-QM. Please provide confirmation that the QM Status is Non QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. data tape correction updating loan to NonQM - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622765 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622738 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622645 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622646 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622696 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622769 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622722 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622681 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622887 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622798 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622704 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622883 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Acknowledged-XX/XX/XXXX - Received comment from lender "The other difference between the X/XX and X/XX CDs is a reduction in the credit report fee from $XXX.XX to $XXX.XX. No cure would be due for this change." No waiting period required. No additional cure can be provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The other difference between the X/XX and X/XX CDs is a reduction in the credit report fee from $XXX.XX to $XXX.XX. No cure would be due for this change. - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. The revised CD (pg XXX) issued on XX/XX/XXXX, was sent to the borrower via US Mail and received on XX/XX/XXXX, per the Disclosure Tracking Detail (pg XXX). The loan was consummated on XX/XX/XXXX, therefore the disclosure was received by the borrower after closing. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The other difference between the X/XX and X/XX CDs is a reduction in the credit report fee from $XXX.XX to $XXX.XX. No cure would be due for this change. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Received comment from lender "The other difference between the X/XX and X/XX CDs is a reduction in the credit report fee from $XXX.XX to $XXX.XX. No cure would be due for this change." No waiting period required. No additional cure can be provided. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202622967 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622680 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622961 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622739 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623154 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622528 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622656 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623141 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622686 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622727 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622654 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622673 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached latest version - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Corrected XXXX is required with the updated income and DTI ratios. The total income disclosed on the XXXX is $X,XXX.XX vs $X,XXX.XX at time of audit. This results in a DTI change from XX.XX%/XX.XX% to XX.XX%/XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached latest version - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622895 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622668 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622676 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622697 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622720 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622678 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622709 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622744 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622679 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622714 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622793 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622828 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622763 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622995 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622762 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE breaking out XXXX Overtime & bonus income, which was used to qualify. Or provide end of year paystub for XXXX, reflecting breakout (file contains EOY paystub for XXXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622721 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622884 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622841 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623252 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622715 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622726 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622806 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622911 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received documentation the fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit alert clearance - Seller-XX/XX/XXXX Open-Missing Processor cert for the Initial Fraud alert present on the credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit alert clearance - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received documentation the fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622782 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622743 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622745 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622812 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622703 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622788 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623050 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623053 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622452 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape corrected, attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape corrected, attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622705 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622838 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622768 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622698 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622785 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622716 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622725 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Resolved based on lender comment: This is the difference in the first loan documented escrow payment versus the HOI and taxes documented in this file. XXXX typically does this to underwrite conservatively. Xst loan escrow payment is $XXX.XX - $XXX.XX HOI - $XXX.XX taxes = $XXX.XX Other. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the difference in the first loan documented escrow payment versus the HOI and taxes documented in this file. XXXX typically does this to underwrite conservatively. Xst loan escrow payment is $XXX.XX - $XXX.XX HOI - $XXX.XX taxes = $XXX.XX Other. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg XX) reflects $XXX.XX "other" monthly payment which is not verified. Loan Inquiry (pg XX) reflects no escrow shortage and the VOM does not verify the MI payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the difference in the first loan documented escrow payment versus the HOI and taxes documented in this file. XXXX typically does this to underwrite conservatively. Xst loan escrow payment is $XXX.XX - $XXX.XX HOI - $XXX.XX taxes = $XXX.XX Other. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Resolved based on lender comment: This is the difference in the first loan documented escrow payment versus the HOI and taxes documented in this file. XXXX typically does this to underwrite conservatively. Xst loan escrow payment is $XXX.XX - $XXX.XX HOI - $XXX.XX taxes = $XXX.XX Other. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622740 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622948 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622741 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622728 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622729 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622791 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622792 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622916 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622718 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape corrected, attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Safe Harbor QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape corrected, attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622885 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - Received copy of DL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower provided driver license - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided Provide US Patriot Act Disclosure with details of forms of identification. Copy provided (pg XX) is blank. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower provided driver license - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received copy of DL. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622824 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622869 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622789 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622860 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Lender Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received invoice reflecting XXXX paid third party upfront and payment was reimbursed at closing. Updated disclosures to reflect paid to Other. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the lender fees test due to one of the following findings: (NC §XX-X.XA(e); NC XX-XX(a), (g))The loan is a first lien closed end mortgage with a principal amount that is greater than or equal to $XX,XXX and the sum of all lender fees exceeds the greater of X.XX% of the principal amount or $XXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of X.XX% of the principal amount or $XXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage with a principal amount that is less than $XX,XXX and the loan charges a lender fee. (NC XX-X.XA(cX)); orThe loan is a first lien home equity line of credit, and the sum of all lender fees exceeds X% of the principal amount. (NC XX-XX(a)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § XX-XX(c) with more than two units, and the sum of all lender fees exceeds X% of the principal amount (NC XX-XX(a),(g)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § XX-XX (c) with one or two units, was not made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount (NC XX-XX(a),(g)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § XX-XX (c), was not made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount. (NC XX-XX(a)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § XX-XX (c), was made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount (NC XX-XX(a)). Final CD and PCCD reflect Manufactured Home Engineer Cert and IBTS Letter paid to XXXX, resulting in lender fee test fail. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received invoice reflecting XXXX paid third party upfront and payment was reimbursed at closing. Updated disclosures to reflect paid to Other. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202622860 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received invoice reflecting XXXX paid third party upfront and payment was reimbursed at closing. Updated disclosures to reflect paid to Other. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached invoices. It appears likely XXXX completed these orders and then the fees were reimbursed to XXXX at closing. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Final CD and PCCD reflect Manufactured Home Engineer Cert and IBTS Letter paid to XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached invoices. It appears likely XXXX completed these orders and then the fees were reimbursed to XXXX at closing. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received invoice reflecting XXXX paid third party upfront and payment was reimbursed at closing. Updated disclosures to reflect paid to Other. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622826 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622953 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of borrower's DL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower provided drivers license, attached. - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided The Patriot Act Disclosure provided is incomplete (page XX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower provided drivers license, attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of borrower's DL. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622956 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from lender "This is the difference between the first lien total PITIA and the documented first lien PITIA on the subject loan. $XXXX.XX - XXXX.XX - XXX.XX = $XX.XX." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the difference between the first lien total PITIA and the documented first lien PITIA on the subject loan. $XXXX.XX - XXXX.XX - XXX.XX = $XX.XX - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing explanation for $XX.XX "other" amount included in borrower's primary residence payment on XXXX (pg XX). Senior lien is VA loan with no MI and loan inquiry (pg XX) reflects no escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the difference between the first lien total PITIA and the documented first lien PITIA on the subject loan. $XXXX.XX - XXXX.XX - XXX.XX = $XX.XX - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following explanation from lender "This is the difference between the first lien total PITIA and the documented first lien PITIA on the subject loan. $XXXX.XX - XXXX.XX - XXX.XX = $XX.XX." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622764 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623002 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622742 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622794 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622784 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622926 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure for XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No photo ID or USA Patriot Act with ID information completed by the closing agent was provided for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Pat Act Disclosure for XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622926 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622924 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622952 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623145 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622941 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622893 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622867 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622761 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of employer email and spreadsheet reflecting pay periods, etc that support dates reflected on paystubs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see copy of email from employer with pay schedule attachment referenced - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received the XXXX payroll processing spreadsheet; however, no explanation from the employer or supporting documentation was provided to verify that the spreadsheet originated from the employer. Please provide an employer explanation and evidence confirming the spreadsheet was supplied by the employer. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE explaining payroll variances. The paystubs provided reflect inconsistent pay period lengths and processing timelines that require clarification: Pay period XX/XX/XXXX - XX/XX/XXXX covers X weeks; Pay period XX/XX/XXXX - XX/XX/XXXX covers X weeks; Pay period XX/XX/XXXX - XX/XX/XXXX covers X weeks. Additionally, the number of days between the last day of the pay period and the check date varies significantly, ranging from X days to XX days. Provide a WVOE explaining the variances in pay period lengths and the discrepancies in payroll processing and payment dates reflected on the paystubs. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see copy of email from employer with pay schedule attachment referenced - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received copy of employer email and spreadsheet reflecting pay periods, etc that support dates reflected on paystubs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622766 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Changed payment slightly. Other amount of $XX.XX is difference between first lien VOM payment and payments documented in subject loan: $XXX.XX escrow - $XX.XX HOI - $XXX.XX taxes = $XX.XX. XXXX utilizes this as a conservative underwriting approach. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The other payment on the XXXX for $XX.XX was not verified. The escrow shortage is $XXX.XX/XX = $XX.XX. A revised XXXX is required to verify the additional $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Changed payment slightly. Other amount of $XX.XX is difference between first lien VOM payment and payments documented in subject loan: $XXX.XX escrow - $XX.XX HOI - $XXX.XX taxes = $XX.XX. XXXX utilizes this as a conservative underwriting approach. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622767 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622817 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622862 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622822 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622823 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622942 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622882 | XXXX | XXXX | B | A | A | A | B | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - Received Pat Act for BX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. BX attached - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No photo ID or USA Patriot Act with ID information completed by the closing agent was provided for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. BX attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Pat Act for BX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622825 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622857 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622870 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender explanation "This difference is XXXX's conservative method of calculating PITIA, adding back the difference between the documented payment amounts and the escrow shown for the Xst mortgage payment. $XXX.XX - $XXX.XX - $XXX.XX - $XX = $XXX.XX." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This difference is XXXX's conservative method of calculating PITIA, adding back the difference between the documented payment amounts and the escrow shown for the Xst mortgage payment. $XXX.XX - $XXX.XX - $XXX.XX - $XX = $XXX.XX. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The other housing payment for $XXX.XX was not verified on the XXXX. The escrow shortage is $XXX.XX/XX =$XX.XX. A revised XXXX is required to verify the additional payment for $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This difference is XXXX's conservative method of calculating PITIA, adding back the difference between the documented payment amounts and the escrow shown for the Xst mortgage payment. $XXX.XX - $XXX.XX - $XXX.XX - $XX = $XXX.XX. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender explanation "This difference is XXXX's conservative method of calculating PITIA, adding back the difference between the documented payment amounts and the escrow shown for the Xst mortgage payment. $XXX.XX - $XXX.XX - $XXX.XX - $XX = $XXX.XX." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622565 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622818 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623000 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622863 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623213 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622819 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622946 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622859 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622971 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622796 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622915 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received MERs Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing the Rider (Mortgage Electronic Registration Systems, Inc. Rider) prepared and executed with the DOT provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received MERs Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622915 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622839 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622940 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622993 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622861 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622837 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response stating "Difference between Xst mtg escrow ($XXX.XX) and documented escrows on subject ($XXX.XX and $XXX.XX). Remainder is $XX.XX." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Difference between Xst mtg escrow ($XXX.XX) and documented escrows on subject ($XXX.XX and $XXX.XX). Remainder is $XX.XX. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XX.XX as "other" monthly payment in PITI and states for pending escrow shortage, however, the final CD reflects the escrow shortage was paid at closing. Lender to provide clarification of the other expense $XX.XX noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Difference between Xst mtg escrow ($XXX.XX) and documented escrows on subject ($XXX.XX and $XXX.XX). Remainder is $XX.XX. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received lender response stating "Difference between Xst mtg escrow ($XXX.XX) and documented escrows on subject ($XXX.XX and $XXX.XX). Remainder is $XX.XX." - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622908 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623031 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623160 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-X/XX/XXXX - received PPCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. Received lender attestation: On August X, XXXX became aware the borrower intended to change the names in which title to the subject property was held. XXXX calculated the additional transfer taxes required by the Change of Circumstance and issued a disclosure on the same day with the additional fees input partly “Other recording fee” and split over like XX, XX, and XX in Section E on the Closing Disclosure. On August X, XXXX, the same fees were recategorized to “City/county/stamp” and distributed between Section E lines X and X. On August X, XXXX Compliance reviewed this recategorization and confirmed it was acceptable, requiring no cure. However, Section E fees additionally increased $XXX on the consummation Closing Disclosure and XXXX concurs that amount should be cured. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attestation commenting on categorization of fees, plus PCCD and cure history attached - Seller-XX/XX/XXXX Counter-X/XX/XXXX - We are in receipt of your response below; Please provide the revised CD where the Transfer Tax Fee increased to $X,XXX.XX, we do not have a CD with that amount disclosed. The CD issued X/XX/XXXX disclosed the Transfer Tax amount as $XXX.XX. Please note the X/X CD includes the COC that the borrower wanted to change the title holders on the property in the subject transaction. That resulted in the increase in tax stamps and is an acceptable COC. The baseline fees for tax stamps (section E total) should be updated to $XXXX.XX. XXXX agrees the subsequent increase to $XXXX.XX for Section E fees requires an $XXX cure, which is in process. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please note the X/X CD includes the COC that the borrower wanted to change the title holders on the property in the subject transaction. That resulted in the increase in tax stamps and is an acceptable COC. The baseline fees for tax stamps (section E total) should be updated to $XXXX.XX. XXXX agrees the subsequent increase to $XXXX.XX for Section E fees requires an $XXX cure, which is in process. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received previously reviewed CD and COC both issued on XX/XX/XXXX. Baseline tax stamps increased from $XXX.XX to $X,XXX.XX from the revised CD issued XX/XX/XXXX to the final CD. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On X/X, XXXX became aware the borrower intended to remove an individual from title which impacted the transfer taxes. Disclosure occurred same day. Additional $XXX cure would then be required from this new baseline; that cure is in process. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). A Final CD issued XX/XX/XXXX shows the State tax fees increased from $XXX.XX to $XXXX.XX and subject to XX% tolerance, however no valid, written COC was provided in the image file - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attestation commenting on categorization of fees, plus PCCD and cure history attached - Seller-XX/XX/XXXX Ready for Review-Please note the X/X CD includes the COC that the borrower wanted to change the title holders on the property in the subject transaction. That resulted in the increase in tax stamps and is an acceptable COC. The baseline fees for tax stamps (section E total) should be updated to $XXXX.XX. XXXX agrees the subsequent increase to $XXXX.XX for Section E fees requires an $XXX cure, which is in process. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. On X/X, XXXX became aware the borrower intended to remove an individual from title which impacted the transfer taxes. Disclosure occurred same day. Additional $XXX cure would then be required from this new baseline; that cure is in process. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received PPCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. Received lender attestation: On August X, XXXX became aware the borrower intended to change the names in which title to the subject property was held. XXXX calculated the additional transfer taxes required by the Change of Circumstance and issued a disclosure on the same day with the additional fees input partly “Other recording fee” and split over like XX, XX, and XX in Section E on the Closing Disclosure. On August X, XXXX, the same fees were recategorized to “City/county/stamp” and distributed between Section E lines X and X. On August X, XXXX Compliance reviewed this recategorization and confirmed it was acceptable, requiring no cure. However, Section E fees additionally increased $XXX on the consummation Closing Disclosure and XXXX concurs that amount should be cured. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623160 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The Transfer Taxes increased from $XXX.XX on the CD dated XX/XX/XXXX to $X,XXX.XX on the final CD. A valid change of circumstances or cure was not provided for the increase over the limit for $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202623160 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-X/XX/XXXX - received PPCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. Received lender attestation: On August X, XXXX became aware the borrower intended to change the names in which title to the subject property was held. XXXX calculated the additional transfer taxes required by the Change of Circumstance and issued a disclosure on the same day with the additional fees input partly “Other recording fee” and split over like XX, XX, and XX in Section E on the Closing Disclosure. On August X, XXXX, the same fees were recategorized to “City/county/stamp” and distributed between Section E lines X and X. On August X, XXXX Compliance reviewed this recategorization and confirmed it was acceptable, requiring no cure. However, Section E fees additionally increased $XXX on the consummation Closing Disclosure and XXXX concurs that amount should be cured. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The Transfer Taxes increased from $XXX.XX on the CD dated XX/XX/XXXX to $X,XXX.XX on the final CD. A valid change of circumstances or cure was not provided for the increase over the limit for $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received PPCD issued X/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. Received lender attestation: On August X, XXXX became aware the borrower intended to change the names in which title to the subject property was held. XXXX calculated the additional transfer taxes required by the Change of Circumstance and issued a disclosure on the same day with the additional fees input partly “Other recording fee” and split over like XX, XX, and XX in Section E on the Closing Disclosure. On August X, XXXX, the same fees were recategorized to “City/county/stamp” and distributed between Section E lines X and X. On August X, XXXX Compliance reviewed this recategorization and confirmed it was acceptable, requiring no cure. However, Section E fees additionally increased $XXX on the consummation Closing Disclosure and XXXX concurs that amount should be cured. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623160 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | MD Credit Regulations Covered Loan Points and Fees Threshold Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after X/XX/XXXX and the date creditor received application is before X/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or $XXX.XX; orThe date creditor received application is on or after X/XX/XXXX, and either:The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. The loan failed the points and fees test since the Appraisal is paid to the lender's affiliate. The lender's Mavent report incorrectly reflects the Appraisal is paid to a third party and was excluded from the points and fees testing. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after X/XX/XXXX and the date creditor received application is before X/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or $XXX.XX; orThe date creditor received application is on or after X/XX/XXXX, and either:The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after X/XX/XXXX and the date creditor received application is before X/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or $XXX.XX; orThe date creditor received application is on or after X/XX/XXXX, and either:The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202622886 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622858 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622910 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622868 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623280 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622909 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622925 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622865 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623157 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623048 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622835 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622836 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX with escrow shortage removed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Escrow shortage was calculated from the incorrect loan enquiry screen. Attached is the correct loan, with no evidence of escrow shortage. Removed escrow shortage, corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XXX.XX as "other" monthly payment. Listed as $XXX.XX MI & $XX.XX as Escrow shortage. The loan enquiry on page (XXX) is for the different property and different borrower. Lender to provide correct loan enquiry for subject property to verify the Escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Escrow shortage was calculated from the incorrect loan enquiry screen. Attached is the correct loan, with no evidence of escrow shortage. Removed escrow shortage, corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX with escrow shortage removed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622894 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622917 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622963 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622994 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622989 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622873 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622888 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623070 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected data tape attached - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected data tape attached - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623070 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622889 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622912 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623112 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623102 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623078 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622950 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623049 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622906 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623212 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622892 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622797 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623016 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622947 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622891 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622939 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622972 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622949 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623231 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - Received executed copy of the final CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-The executed final CD was not provided. What appears to be the final CD was entered on page XXX that has the XX/XX/XXXX consummation date. Compliance testing is incomplete. Additional findings may apply upon receipt and review of the executed final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received executed copy of the final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622996 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623096 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622943 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622990 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected and attached. - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected and attached. - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status is Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623185 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing The executed Deed of Trust was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623185 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623302 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622944 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623003 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622620 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. updated data tape uploaded supporting nonQM status - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Safe Harbor APOR (APOR SH) rather than Non-QM. Please provide confirmation that the QM Status is Non QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. updated data tape uploaded supporting nonQM status - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflecting QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622914 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623092 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623114 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622964 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The Xst mortgage payment on the XXXX does not match the Note and VOM. The Note reflects the P&I as $XXXX.XX vs the XXXX, $X,XXX.XX. Updated XXXX is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623014 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623165 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623226 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623219 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623015 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622968 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202622954 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623211 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622992 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623139 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Received lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | XXXX | |||||
| SAIF202623023 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-XX/XX/XXXX - GSA fail appears to be a false positive. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. the binder appears to contain the attached version, which is complete. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts The Fraud Report provided reflects uncleared HIGH alerts for Fraud Risk. Please provide an updated report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. the binder appears to contain the attached version, which is complete. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - GSA fail appears to be a false positive. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623024 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623083 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622970 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623177 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-XX/XX/XXXX - Received X-XXX Card. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The borrower is a Permanent Resident per the final XXXX. The borrower's Residency Documentation was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received X-XXX Card. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623039 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623098 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622997 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623017 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622955 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622951 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623099 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622966 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622991 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623240 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623052 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623072 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622962 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622965 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623173 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623057 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623067 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623318 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623030 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622969 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated XXXX with lender comment that other amount is the difference between the first lien payment and the subject pitia. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX includes notes the other payment is the difference between the first lien payment and the second pitia - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received XXXX with comment added that "Other payments included = shortage." Missing explanation regarding what the shortage is for, as there is no MI nor escrow shortage reflected in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. updated XXXX/non-agency loan approval - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg. XX) reflects $XXX.XX as "other" monthly payment in PITI but does not state what it is for. No MI and No escrow shortage as per Loan Enquiry (pg. XXX) and VOM pg#XXX. Lender to provide clarification of the other expense $XXX.XX noted on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX includes notes the other payment is the difference between the first lien payment and the second pitia - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. updated XXXX/non-agency loan approval - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated XXXX with lender comment that other amount is the difference between the first lien payment and the subject pitia. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202622311 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623001 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623076 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623004 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623200 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623051 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623061 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622871 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202622998 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623125 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623038 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623118 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622999 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Agreed, corrected XXXX attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updated XXXX reflecting the removal of the Borrower's Primary Residence expense of $X,XXX.XX. The borrower's primary residence is owned free and clear. The lender incorrectly treated the second home's PI payment as the housing expense for the borrower's current primary residence. As a result, the DTI ratios have been revised from XX.XX% / XX.XX% to X.XX% / XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Agreed, corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623068 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623062 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623113 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623060 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623073 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202621553 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623035 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623270 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623192 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623168 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623037 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623182 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622026 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623080 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623101 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CT Nonprime Home Loan Test | Resolved-ATR and tangible net benefit requirements met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR and tangible net benefit requirements met. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623124 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623036 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623032 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623059 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623033 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623041 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623034 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623054 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623079 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received revised XXXX with income at $XX,XXX.XX and DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The income for borrower X is missing on the XXXX. The total income calculation is $XX,XXX.XX, lowering the DTI from XX%/XX% to XX%/XX%. A revised XXXX is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received revised XXXX with income at $XX,XXX.XX and DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623056 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623093 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623081 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623063 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623095 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623144 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623117 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623158 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623115 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623058 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623055 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623075 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623214 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated title with judgment removed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected title was issued removing the judgment, attached. - Seller-XX/XX/XXXX Open-Property Title Issue The judgment for $X,XXX.XX to XXXX was not paid at closing. Title item #X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected title was issued removing the judgment, attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated title with judgment removed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623214 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623119 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623176 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623134 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623327 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623143 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623126 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623069 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623186 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623229 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623258 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623071 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623077 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623338 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623097 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623116 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623251 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623201 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623175 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623163 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623091 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623094 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623180 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623162 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623121 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide an updated XXXX reflecting the corrected All Other Monthly Payments of $X,XXX. The provided XXXX shows All Other Monthly Payments of $X,XXX. However, the credit report lists revolving account XXXX #XXXXX with a $X monthly payment. Per guidelines, X% of the outstanding balance ($XX) should be included. All Other Monthly Payments increased to $X,XXX, resulting in a DTI of XX.XX%. This exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623121 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Open-The provided XXXX shows All Other Monthly Payments of $X,XXX. However, the credit report lists revolving account XXXX #XXXXX with a $X monthly payment. Per guidelines, X% of the outstanding balance ($XX) should be included. All Other Monthly Payments increased to $X,XXX, resulting in a DTI of XX.XX%. This exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623121 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. According to a credit soft pull, the borrower paid down the XXXX card debt and reduced its monthly payment from $XXX to $XXX (which is its balance). Adjusting the calculations to account for this, the DTI is within the acceptable range. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The provided XXXX shows All Other Monthly Payments of $X,XXX. However, the credit report lists revolving account XXXX #XXXXX with a $X monthly payment. Per guidelines, X% of the outstanding balance ($XX) should be included. All Other Monthly Payments increased to $X,XXX, resulting in a DTI of XX.XX%. This exceeds the program maximum of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. According to a credit soft pull, the borrower paid down the XXXX card debt and reduced its monthly payment from $XXX to $XXX (which is its balance). Adjusting the calculations to account for this, the DTI is within the acceptable range. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received updated credit report with XXXX balance of $XXX. Revised DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623336 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623100 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623239 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-XX/XX/XXXX - Received revised LE issued within X days of rate lock. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX LE attached - Seller-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Missing the revised LE issued within three days of the XX/XX/XXXX the rate lock extension (pg XXX), corresponding COC (pg XXX). Disclosure tracking details (pg XXX) reflects revised LE issued and received on XX/XX/XXXX. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX LE attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued within X days of rate lock. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623293 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623138 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623120 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623184 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This should be grade X and acknowledged, not a material error. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This should be grade X and acknowledged, not a material error. - Seller-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | ||||
| SAIF202623328 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623242 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623167 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623227 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623161 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623196 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623166 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623140 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623193 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623142 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623235 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623209 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623159 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623156 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflected QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Data tape correction attached - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered The Doc Type is XX-month bank statement however originator QM Status is reflected as Higher Priced QM (APOR) rather than Non-QM. Please provide confirmation that the QM Status is Non QM. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Data tape correction attached - Seller-XX/XX/XXXX |
Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected bid tape reflected QM Status as Non-QM. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623156 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Borrower X WVOE Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Missing WVOE/Year end Paystub breaking out XXXX bonus income & Overtime income, which was used to qualify - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623337 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623225 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623234 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623183 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623155 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE supporting OT used to qualify. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing The borrower's overtime income is combined with the gross pay on the paystubs provided. A WVOE is required to verify the YTD, XXXX & XXXX overtime income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received WVOE supporting OT used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623309 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623218 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623181 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received credit report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Reports attached - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Missing credit report. Used debt from XXXX to calculate DTI. Additional findings may apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Reports attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received credit report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623181 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received credit report. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Missing credit report. Used debt from XXXX to calculate DTI. Additional findings may apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received credit report. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623164 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623265 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623074 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623174 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623208 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623217 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623195 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623246 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623198 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623178 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | OH PLA Covered Loan Points and Fees Threshold Test | Resolved-This loan failed the covered loan points and fees threshold test due to one of the following findings: (OH SB XXX Section X, § XXXX.XX (D)(X))If the total loan amount is $XX,XXX or more, the total points and fees payable by the consumer at or before loan closing exceed X% of the total loan amount; orIf the total loan amount is less than $XX,XXX, the total points and fees payable by the consumer at or before loan closing exceed X% of the total loan amount. X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Counter-X/XX/XXXX - Appraisal Fee and Appraisal Management Fee captured separately by payee based on invoice provided. However, the OH High Cost is legitimate since OH High-Cost Fee Threshold is exceeded by $XXX.XX. The Federal High-Cost fail is legitimate with a Fee Threshold variance of $X.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-To clarify - $XXX was paid to an affiliate, $XX was paid to the appraiser. Does this still exceed the allowable points and fees? - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - An invoice was provided reflecting that the appraisal fee was paid to an affiliate. An appraisal fee paid to an affiliate of the lender is included in the high-cost mortgage points-and-fees threshold under Ohio Revised Code Section XXXX.XX(D)(X) Statutory Mechanism. Federal Alignment: The statute explicitly notes that "points and fees" has the same meaning as in Section XXX(a) of the federal Home Ownership and Equity Protection Act of XXXX (HOEPA) and its governing regulations under Regulation Z (XX CFR § XXXX.XX). The Affiliate Rule: Under XX CFR § XXXX.XX(b)(X)(iii), real estate-related fees (specifically including property appraisal fees listed under § XXXX.X(c)(X)) are only excluded from the high-cost threshold if three strict conditions are met: The fee is bona fide. The fee is reasonable in amount. The charge is not paid to an affiliate of the creditor. Because the appraisal fee is paid to an affiliate of the lender, it fails the third prong of the exclusion test. Consequently, the entire portion of the fee retained by the affiliate must be counted toward Ohio's X% or X% high-cost threshold. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached invoice. Management fee is $XXX, appraiser fee is $XX. - Seller-XX/XX/XXXX Open-This loan failed the covered loan points and fees threshold test due to one of the following findings: The total loan amount is $XX,XXX or more, the total points and fees payable by the consumer at or before loan closing exceed X% of the total loan amount. The appraisal fee was paid to a lender affiliate. It is excluded from federal testing, however, it is not excluded from State testing and the State of Ohio includes it in points and fees threshold testing. The lender's compliance report reflects they did not test as paid to an affiliate. Provide acceptable documentation that the appraisal fee was not paid to an affiliate in order to exclude from points and fees threshold testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Ready for Review-To clarify - $XXX was paid to an affiliate, $XX was paid to the appraiser. Does this still exceed the allowable points and fees? - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached invoice. Management fee is $XXX, appraiser fee is $XX. - Seller-XX/XX/XXXX |
Resolved-This loan failed the covered loan points and fees threshold test due to one of the following findings: (OH SB XXX Section X, § XXXX.XX (D)(X))If the total loan amount is $XX,XXX or more, the total points and fees payable by the consumer at or before loan closing exceed X% of the total loan amount; orIf the total loan amount is less than $XX,XXX, the total points and fees payable by the consumer at or before loan closing exceed X% of the total loan amount. X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( XX CFR §XXXX.XX(a)(X)(i) )The loan provides for a late payment fee in excess of X% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( XX CFR §XXXX.XX(a)(X)(i) )The loan provides for a late payment fee in excess of X% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (XX CFR §XXXX.XX(a)(X)(i), (ii))The loan is a XXXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by XX CFR §XXXX.XX; orThe loan is a XXXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XX CFR §XXXX.XX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by XX CFR §XXXX.XX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(X) must occur after:(A) The consumer receives either the disclosure required by section X(c) of the Real Estate Settlement Procedures Act of XXXX (XX U.S.C. XXXX(c)) or the disclosures required by §XXXX.XX; or(B) The consumer receives the disclosures required by §XXXX.XX(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (XX CFR §XXXX.XX(a)(X)(i), (ii))The loan is a XXXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by XX CFR §XXXX.XX; orThe loan is a XXXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XX CFR §XXXX.XX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by XX CFR §XXXX.XX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(X) must occur after:(A) The consumer receives either the disclosure required by section X(c) of the Real Estate Settlement Procedures Act of XXXX (XX U.S.C. XXXX(c)) or the disclosures required by §XXXX.XX; or(B) The consumer receives the disclosures required by §XXXX.XX(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Open-This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XXX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XXX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( XX CFR §XXXX.XX(a)(X)(ii)(A), (B) )The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( XX CFR §XXXX.XX(a)(X)(ii)(A), (B) )The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( XX CFR §XXXX.XX(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XX CFR §XXXX.XX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( XX CFR §XXXX.XX(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XX CFR §XXXX.XX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-NA - - Due Diligence Vendor-XX/XX/XXXX | Resolved-NA - - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623266 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-NA - Due Diligence Vendor-XX/XX/XXXX | Resolved-NA - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623241 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623323 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623179 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Borrower X Tax Returns Are Signed or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received tax transcripts supporting XXXXs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX results were obtained, confirming the copies of XXXXs provided are the final versions. No risk. - Seller-XX/XX/XXXX Open-Borrower X Tax Returns Not Signed The tax returns for borrower X are not signed and dated. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX results were obtained, confirming the copies of XXXXs provided are the final versions. No risk. - Seller-XX/XX/XXXX |
Resolved-Borrower X Tax Returns Are Signed or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received tax transcripts supporting XXXXs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623197 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Acknowledged-XX/XX/XXXX - Received following comment from lender: "This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error." TPR agrees no negative impact to borrower. Finding set to acknowledged, grade X. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery date validation test. The loan contains one of the following conditions: A closing disclosure delivery date is on or before a loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Received following comment from lender: "This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error." TPR agrees no negative impact to borrower. Finding set to acknowledged, grade X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623197 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Acknowledged-XX/XX/XXXX - Received following comment from lender: "This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error." TPR agrees no negative impact to borrower. Finding set to acknowledged, grade X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error. - Seller-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The revised LE issued on XX/XX/XXXX was issued on the same day as the initial CD. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( XX CFR §XXXX.XX(e)(X)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXX.XX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXX.XX(e)(X)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - Received following comment from lender: "This does appear accurate, which would revert the last valid disclosure to the X/XX Loan Estimate. The X/XX LE would be invalidated. However, fees only decreased from X/XX to X/XX (on both the LE and CD) and so no cure would be due as a result of this error." TPR agrees no negative impact to borrower. Finding set to acknowledged, grade X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| SAIF202623197 | XXXX | XXXX | D | B | A | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. Additional findings set due to LE being issued same day as initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing revised LE. The disclosure tracking summary (pg. XXX) shows the revised LE was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Compliance testing is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received revised LE issued and received on XX/XX/XXXX. Additional findings set due to LE being issued same day as initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623248 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623307 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623255 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623216 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623322 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623296 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | IL Cook County Threshold Loan Points and Fees Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Retested with $XXX appraisal mgmt fee paid to affiliate and $XX appraisal fee paid to Other. IL Cook County Threshold Points and Fees Test is exceeded by $XX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the threshold loan points and fees test. (Cook Cty. Code, Ch. X Art. V Div. X Subd. I Sec. X-XXX(a) "Threshold loan" (X))The total points and fees of the mortgage exceed X% of the total loan amount in the case that the loan amount is $XX,XXX or greater, or $XXX in the case that the loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the threshold loan points and fees test. (Cook Cty. Code, Ch. X Art. V Div. X Subd. I Sec. X-XXX(a) "Threshold loan" (X))The total points and fees of the mortgage exceed X% of the total loan amount in the case that the loan amount is $XX,XXX or greater, or $XXX in the case that the loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the complete invoice showing appraiser received $XX, management fee was $XXX. Please re-test with $XXX affiliate fee. - Seller-XX/XX/XXXX Open-This loan failed the threshold loan points and fees test. (Cook Cty. Code, Ch. X Art. V Div. X Subd. I Sec. X-XXX(a) "Threshold loan" (X))The total points and fees of the mortgage exceed X% of the total loan amount in the case that the loan amount is $XX,XXX or greater, or $XXX in the case that the loan amount is less than $XX,XXX. The final CD reflects that the appraisal fee was paid to a lender affiliate. While this fee is excluded from federal points-and-fees testing, it is not excluded from IL Cook County testing and must be included in the points-and-fees threshold calculation. The lender's compliance report reflects that the appraisal fee was not tested as a fee paid to an affiliate. Provide acceptable documentation demonstrating that the appraisal fee was not paid to an affiliate in order to exclude it from points-and-fees threshold testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the complete invoice showing appraiser received $XX, management fee was $XXX. Please re-test with $XXX affiliate fee. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623296 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX | Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623296 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX | Resolved- - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| SAIF202623291 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following comment from the lender "This is the difference between the $XXX.XX first mortgage escrow payment and the documented $XXX HOI and $XXX.XX taxes. XXXX utilizes this method for conservative underwriting." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the difference between the $XXX.XX first mortgage escrow payment and the documented $XXX HOI and $XXX.XX taxes. XXXX utilizes this method for conservative underwriting. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg XX) reflects $XXX.XX "other" monthly payment in PITI, this stated as PITI difference and No Escrow shortage. Loan Inquiry (pg XX) reflects escrow shortage as $X.XX. However, the VOM on page (XXX) reflects the FHA MI and payment history (pg XXX) FHA MI is $XXX.XX. Provide updated XXXX explains the $XXX.XX. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the difference between the $XXX.XX first mortgage escrow payment and the documented $XXX HOI and $XXX.XX taxes. XXXX utilizes this method for conservative underwriting. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received the following comment from the lender "This is the difference between the $XXX.XX first mortgage escrow payment and the documented $XXX HOI and $XXX.XX taxes. XXXX utilizes this method for conservative underwriting." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202623334 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623238 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623207 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623256 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623194 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623268 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623292 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623283 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623275 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing the executed DOT - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623275 | XXXX | XXXX | D | B | D | A | D | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Partially Provided Incorrect ROR form HX used rather than HX - subject transaction pays off an existing XXXX second lien - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623223 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623284 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Drive report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing the third-party Drive Report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received Drive report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623284 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed DOT and any applicable Riders. DOT provided is not executed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received executed DOT. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623267 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623210 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623224 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623282 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623281 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623244 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing XXXX with correct loan amount and LTV/CLTV. Provided XXXX reflects loan amount of $XX,XXX and LTV/CLTV of XX.XX%. Correct loan amount is $XX,XXX and LTV/CLTV is XX.XX%/ XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623230 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623222 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623249 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623247 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623260 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623278 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623279 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623243 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623254 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623228 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623342 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623262 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623245 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623297 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623298 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received following comment from lender: This is the difference between Xst mortgage escrow total and documented escrows on the subject, used for conservative underwriting. $XXX.XX - $XX.XX - $XXX.XX = $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the difference between Xst mortgage escrow total and documented escrows on the subject, used for conservative underwriting. $XXX.XX - $XX.XX - $XXX.XX = $XXX.XX. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provided XXXX (pg XX) reflects $XXX.XX as "other" monthly payment which was not verified. Loan Inquiry (pg XX) reflects no escrow shortage and there is no MI on the VA senior lien. Provide an updated XXXX with the verified other payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the difference between Xst mortgage escrow total and documented escrows on the subject, used for conservative underwriting. $XXX.XX - $XX.XX - $XXX.XX = $XXX.XX. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received following comment from lender: This is the difference between Xst mortgage escrow total and documented escrows on the subject, used for conservative underwriting. $XXX.XX - $XX.XX - $XXX.XX = $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202623237 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623263 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing the initial CD issued and received by borrower on XX/XX/XXXX, per Disclosure Tracking (pg XXX). Compliance is incomplete. Additional findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received initial CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623199 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-XX/XX/XXXX - Received Employment Authorization cards for both borrowers. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Borrower X & Borrower X Non-US Citizen identification documentation. Both borrowers are non-permanent resident aliens. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received Employment Authorization cards for both borrowers. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623233 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623264 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623236 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623287 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cert attached. - Seller-XX/XX/XXXX Open-Fraud victim 'Initial Alert' is noticed in credit report however processor cert is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cert attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received evidence fraud alert was cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623271 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623253 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623259 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623305 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623277 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623257 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623315 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623330 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623285 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623274 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623308 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623272 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Lender acknowledgement of incorrect form used, no curative. Grade reduced to Level X. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | XXXX | |||||
| SAIF202623286 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623329 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623273 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623276 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623339 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623304 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623288 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated XX/XX/XXXX: On XX/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | XXXX | |||||
| SAIF202623299 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623289 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623300 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623301 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received following comment from lender: Document Uploaded. This income appears to have been added in error. No UW commentary regarding disability income, and no documentation appears to be contained in the loan file. Income removed, updated loan docs attached. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This income appears to have been added in error. No UW commentary regarding disability income, and no documentation appears to be contained in the loan file. Income removed, updated loan docs attached. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing The borrower's VA Disability for $XXX.XX monthly was not verified. A letter or distribution form from the Veteran's Administration is required to document VA benefits income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This income appears to have been added in error. No UW commentary regarding disability income, and no documentation appears to be contained in the loan file. Income removed, updated loan docs attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received following comment from lender: Document Uploaded. This income appears to have been added in error. No UW commentary regarding disability income, and no documentation appears to be contained in the loan file. Income removed, updated loan docs attached. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623301 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623310 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623314 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Resolved-XX/XX/XXXX - "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Open-This loan failed the high-cost home loan points and fees threshold test. (NJ AB XX, § X.) , (NJ SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. NJ State High-Cost fail is due to appraisal being paid to Consolidated Analytics, which is a lender affiliate. Unable to locate appraisal invoice to verify who received Appraisal Fee. Lender's Mavent does not show that appraisal fee was paid to an affiliate and therefore it was not included in high-cost testing. Provide acceptable documentation to verify who received the Appraisal Fee. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the high-cost home loan points and fees threshold test. (NJ AB XX, § X.) , (NJ SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202623311 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623290 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623306 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623303 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622707 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623324 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202622633 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623317 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623319 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623313 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623312 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623335 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623332 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623320 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623321 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623316 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623346 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623326 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Provide XXXX with correct property taxes of $XXX.XX/mo (per tax cert pg XXX) and DTI of XX.XX% / XX.XX%. Provided XXXX (pg XX) reflects property tax of $XXX.XX/mo and DTI of XX.XXX% / XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623345 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623344 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623325 | XXXX | XXXX | B | A | B | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The property tax amount was not included at origination which caused the DTI to increase from XX.XX% to XX.XX%. The tax amount has been verified on page XXX, $XXX.XX monthly. Please provide an updated XXXX with the property tax amount and corrected DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623333 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623340 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202623341 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | MD Credit Regulations Covered Loan Points and Fees Threshold Test | Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Retested with $XXX appraisal mgmt fee paid to affiliate and $XX appraisal fee paid to Other. MD Threshold Points and Fees Test is exceeded by $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after X/XX/XXXX and the date creditor received application is before X/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or $XXX.XX; orThe date creditor received application is on or after X/XX/XXXX, and either:The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. $XX of the fee was paid to the appraiser, $XXX to affiliate. Therefore $XXX cure should be sufficient to resolve, can you confirm? - Seller-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after X/XX/XXXX and the date creditor received application is before X/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or $XXX.XX; orThe date creditor received application is on or after X/XX/XXXX, and either:The loan amount is $XX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XX,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds the lesser of X percent of the total loan amount of $XX,XXX.XX or $X,XXX.XX. The final CD reflects the appraisal fee was paid to a lender affiliate. This fee is excluded from federal testing; however, it is not excluded from State testing, and the State of MD includes it in points and fees threshold testing. The lender's compliance report reflects they did not test the appraisal fee as paid to an affiliate. Provide acceptable documentation that the appraisal fee was not paid to an affiliate in order to exclude from points and fees threshold testing. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Correction - On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. $XX of the fee was paid to the appraiser, $XXX to affiliate. Therefore $XXX cure should be sufficient to resolve, can you confirm? - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received lender response: "On review with XXXX Compliance, Consolidated Analytics is not considered an affiliate. Our ABA lists them for purposes of Reg X but they do not qualify under Reg Z. The percentage of common ownership is too small to qualify." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| SAIF202623341 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Right of Rescission is Partially Provided Per lender Attestation Letter dated X/XX/XXXX: On X/XX/XXXX adopted the following rules for NORTC testing, with the legal and business decision that the H-X form will be provided to borrowers in all circuits except for the Xrd circuit in which the required H-X form will be provided. XXXX is aware that this decision will result in an EVX finding for some circuits and request these findings to automatically be accepted in the review process. - Due Diligence Vendor-XX/XX/XXXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | |||||
| SAIF202623343 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| SAIF202620002 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - TD Received revised LE issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the LE date XX/XX/XXXX per the Disclosure Tracking Summary on page XXX and the COC pageXXX. Additional Findings may apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received revised LE issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620002 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Final CD reflects lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD reflects lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202620002 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Final CD reflects lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD reflects lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202620002 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - TD Received initial CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised CD dated XX/XX/XXXX per the Disclosure Tracking Summary page XXX and COC page XXX. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received initial CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620002 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XXXX - TD Received initial CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD dated XX/XX/XXXX per the Disclosure Tracking Summary page XXX, the COC page XXX and evidence the borrower received the disclosure X days prior to consummation. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received initial CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620009 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | A | A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-X/XX/XXXX - received seller response: "In the State of Washington, simple interest calculation is used, therefor the P&I payment will be $XXX.XX." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-In the State of Washington, simple interest calculation is used, therefor the P&I payment will be $XXX.XX. - Seller-XX/XX/XXXX Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount Note reflects payment of $XXX.XX, however system is calculating payment of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount Note reflects payment of $XXX.XX, however system is calculating payment of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-In the State of Washington, simple interest calculation is used, therefor the P&I payment will be $XXX.XX. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received seller response: "In the State of Washington, simple interest calculation is used, therefor the P&I payment will be $XXX.XX." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | |||||
| SAIF202620009 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The borrower executed the DOT, final CD and RTC on X/XX/XX, however per the final CD the loan was disbursed on X/XX/XX which is before the third business day following consummation. No PCCD reflecting different disbursement date provided. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | ||||
| SAIF202620009 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Other Rider is Missing | Resolved-XX/XX/XXXX - TD Received MERS Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing MERS Rider to DOT. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received MERS Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | ||||
| SAIF202620028 | XXXX | D | A | A | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-X/XX/XXXX - received complete recorded DOT with Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Simple Interest Rider that is not attached to the Mortgage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-X/XX/XXXX - received complete recorded DOT with Rider - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620031 | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| SAIF202620040 | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-XX/XX/XXXX - received XXXX WX - sufficient with WVOE provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received WVOE with XXXX and XXXX income, however XXXX does not accept WVOEs as stand alone documentation, therefore XXXX and XXXX WXs are required and still missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X WX/XXXX Missing Missing XXXX and XXXX WXs. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received XXXX WX - sufficient with WVOE provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620040 | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOE information performed by Experian. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing - VOE provided in file does not reflect how the number was verified or whom the lender spoke with at the employer to confirm ongoing status. Please provide corrected Verification of Employment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received VVOE information performed by Experian. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620001 | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD has $XX cure - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD has $XX cure - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202620001 | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202620001 | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||||
| SAIF202620001 | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings may apply. | Resolved-XX/XX/XX - received initial CD issued X/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. Per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued X/XX/XX and received by the borrower on X/XX/XXXX. Additional Findings may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received initial CD issued X/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620030 | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| SAIF202620033 | XXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||
| SAIF202620037 | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC for LE issued X/XX/XXXX for increase to Points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided X/XX/XX COC LE increasing the discount points from $XXXX.XX to $XXXX.XX = $XXXX difference disclosed to borrower via the COC. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received COC dated XX/XX/XXXX reflecting fee increases due to survey, property type, deed. The only fee this would apply to would be the Structural Engineering fee. The remaining fees increased from the baseline LE to the final CD without a written COC: Discount points increased from $X,XXX to $X,XXX.XX, Appraisal fee increased from $XXX to $X,XXX, Appraisal Review fee increased from $X to $XX. Missing evidence the borrower was reimbursed $X,XXX.XX to cure amounts over tolerance. The final CD reflects a lender credit of $XXX. Remaining amount due borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from $X,XXX to $X,XXX.XX, the Appraisal Fee increased from $XXX to $X,XXXm the Architectural and Engineering Fee increased from $X to $XXX and the Appraisal Review Fees increased from $X to $XX from the baseline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the X% tolerance variances. Final CD reflects $XXX lender credit. Remaining amount due borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided X/XX/XX COC LE increasing the discount points from $XXXX.XX to $XXXX.XX = $XXXX difference disclosed to borrower via the COC. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC for LE issued X/XX/XXXX for increase to Points - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | ||||
| SAIF202620037 | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC for LE issued X/XX/XXXX for increase to Points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided X/XX/XX COC LE increasing the discount points from $XXXX.XX to $XXXX.XX = $XXXX difference disclosed to borrower via the COC. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received comment from lender that final CD reflects $XXX tolerance cure. Phoenix agrees and has acknowledged that amount, however total amount over tolerance is $X,XXX.XX. Remaining amount owed borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Lender provided a tolerance cure on the final CD in the amount of $XXX.XX for the following X% fees that cannot change. Appraisal increase from $XXX to $XXXX ($XXX cure), Appraisal Review Fee increase from X to $XX ($XX cure), AVM fee increases from $X to $X.XX ($X.XX cure) - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX. Remaining amount owed borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX. Final CD reflects $XXX lender credit. Remaining amount due borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided X/XX/XX COC LE increasing the discount points from $XXXX.XX to $XXXX.XX = $XXXX difference disclosed to borrower via the COC. - Seller-XX/XX/XXXX Ready for Review-Lender provided a tolerance cure on the final CD in the amount of $XXX.XX for the following X% fees that cannot change. Appraisal increase from $XXX to $XXXX ($XXX cure), Appraisal Review Fee increase from X to $XX ($XX cure), AVM fee increases from $X to $X.XX ($X.XX cure) - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC for LE issued X/XX/XXXX for increase to Points - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | ||||
| SAIF202620037 | XXXX | D | A | D | A | C | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-XX/XX/XXXX - Received inquiry LOE. New credit is reflected on credit report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Borrower to provide satisfactory letter of explanation for recent inquiries. If additional debts obtained not yet reported, must be fully verified and included in qualifying ratios. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received inquiry LOE. New credit is reflected on credit report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | XXXX | ||||
| SAIF202620035 | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-XX/XX/XXXX - Received documentation reflecting payoff to Dept of Finance and Admin was for delinquent income taxes. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received Disclosure Tracking Summary with date appraisal was provided highlighted. Still need LOE from borrower regarding title items. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Title Commitment reflects two items on title in addition to first lien; a partial claims second dated XX/XX/XXXX, and a Certificate of Indebtedness dated XX/XX/XXXX which were paid at closing. Borrowers to provide satisfactory letter of explanation for each to ensure credit history meets program requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received documentation reflecting payoff to Dept of Finance and Admin was for delinquent income taxes. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620035 | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received verification borrower received copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - Received copy of lender's Mavent report. Mavent report does not clear the HPML issue. Still need evidence the appraisal was provided to the borrower no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing evidence a copy of appraisal was provided to the borrower no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received verification borrower received copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620035 | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-XX/XX/XXXX - Received verification borrower received copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received verification borrower received copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620035 | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Service Provider's List. Missing evidence a Services Provider List was issued within X business days of the application date. All fees are considered as not shoppable and subject to XX% tolerance. The Final CD shows fees listed in section C, however for Compliance Testing, fees were reviewed as listed in section B. A tolerance variance is not noted at initial review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| SAIF202620035 | XXXX | D | A | D | A | D | A | A | A | Closed | XXXX | XX-XX-XXXX | XX-XX-XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-XX/XX/XXXX - Received senior lien Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Note for the senior lien or any other senior loan information such as a monthly billing statement to determine eligibility; included documentation must support any monthly MI premiums or other costs as applicable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received senior lien Note. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |