SALUDA GRADE MORTGAGE FUNDING LLC ABS-15G

 

Exhibit 99.5 - Schedule 1

 

Loan number Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM/ATR Status TPR QM/ATR Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating
 Factors		 Status Update
 Date		 Finding Status Initial Exception
 Grade		 Final Exception
 Grade		 Initial Loan
 Grade		 Final Loan
 Grade
1000252152   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252152   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252152   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252148   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252148   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252148   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252162   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252162   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252162   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252156   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252156   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252156   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A A A
1000252153   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXXXX 1 of 3 XX/XX/XXXX Credit DivorceDecree According to the divorce decree, the petitioner is responsible for paying off the following liens: XXXXXXX XXX  Acct ending XXXX with a balance of XXXX, XXXXXXXX XX Acct ending XXXX with a balance of XXXX; and XXXXXXXX Card Acct ending XXXX with a balance of XXXX. These accounts are not appearing on the borrower credit report. Please provide proof that these debts have been paid in full Uploading rebuttal   XXX XX/XX/XXXX Received and reviewed the provided LOE from the XXXXXX XXXXXXXX no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000252153   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000252153   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A C A
1000252141   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252141   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252141   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252149   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252149   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252149   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000252157   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A A A
1000252157   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252157   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000252159   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Credit TaxReturn The XXXX personal tax return reflects a tax owe amount of $XXXXX, the supporting document to verfy the amount is paid at or before closing is missng in the loan file.   Uploading iRS pymt XXX XX/XX/XXXX Received and reviewed the provided IRS installment payment, even after considering the payment into DTI calculation, the DTI is within XX%, therefore the condition has been resolved.   XX/XX/XXXX Resolved C A C B
1000252159   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay Dodd Frank 2014, The loan does not meet the ATR requirement . The XXXX personal tax return reflects a tax owe amount of $XXXXX, the supporting document to verfy the amount is paid at or before closing is missng in the loan file.     XXX XX/XX/XXXX Received and reviewed the provided IRS installment payment, even after considering the payment into DTI calculation, the DTI is within XX%, therefore the condition has been resolved.   XX/XX/XXXX Resolved B A C B
1000252159   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C B
1000252159   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance ComplianceReport This loan failed the NC rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The NC RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met         XX/XX/XXXX Cleared B B C B
1000252163   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit Credit Report The final 1003 reflects the Cardless account ending in XXXX, but the reported balance and payment differ from what appears on the credit report. Therefore provide a updated  credit card statement to verify the correct balance and payment.   Uploading stmt XXX XX/XX/XXXX – credit statement has been received and reviewed. Accordingly, the exception has been resolved.
   XX/XX/XXXX Resolved C A C A
1000252163   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000252163   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247557   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000247557   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000247557   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000247555   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000247555   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000247555   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000247549   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000247549   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000247549   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000247546   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000247546   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000247546   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000247541   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit ClosingDocs Provide seller Cd or ALTA settlement agreement for the pending sale property  XXXX XXXXXX XX XXXX XXXXXXX XX XXXXX.   See LOE XXX XX/XX/XXXX As per provided LOE from the  XXXXXX XXXXXXX, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247541   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The credit report reflects a rental agreement with XXXXXX XXXXX, Account XXXX, showing a monthly payment of XXXX. However, the final 1003 indicates the borrower is residing in their own home. Please provide an LOE along with the rental agreement to clarify which property the borrower is paying rent for. If the rental agreement has been terminated, please provide the termination agreement as supporting documentation     XXX XX/XX/XXXX As per provided LOE from the XXXXXX XXXXXXX, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000247541   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Credit RentMortVerification The credit report reflects a rental agreement with XXXXXX XXXXX, Account XXXX, showing a monthly payment of XXXX. However, the final 1003 indicates the borrower is residing in their own home. Please provide an LOE along with the rental agreement to clarify which property the borrower is paying rent for. If the rental agreement has been terminated, please provide the termination agreement as supporting documentation   See LOE XXX XX/XX/XXXX As per provided LOE from the  XXXXXX XXXXXXX, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247541   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000247541   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247538   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000247538   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation AppraisalReport As per Guidelines, Since there is a difference of more than XX% between the appraisal report (1004) and Desktop Appraisal, a new appraisal will be required to ensure proper valuation.   See CDA XXX XX/XX/XXXX Received and reviewed the provided CDA document, no findings observed. Hence, exception has been resolved.
XXX XX/XX/XXXX The provided CDA is incorrect, as the subject property address is XXX XX XXXXXXXXXX XX, whereas the CDA reflects the property address as XXXX XXX XXXXXX. Provide the correct CDA document.		   XX/XX/XXXX Resolved C A C A
1000247538   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247536   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000247536   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation AppraisalReport As per Guidelines, Since there is a difference of more than XX% between the appraisal report (1004) and AVM, a new appraisal will be required to ensure proper valuation.   See CDA XXX XX/XX/XXXX : The new appraisal aligns with the guidelines, as the CDA reflects values in line with the Desktop Appraisal, ensuring proper valuation. Hence condition has been resolved.   XX/XX/XXXX Resolved C A C A
1000247536   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247535   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit TaxReturn Borrower qualified with schedule c income using form 1040 for the year XXXX where as loan closed on XX/XX/XXXX. however Form-4868 Extentionfor the year XXXX is missing in the loan file   Borrower filed an extension for XXXX XXX XX/XX/XXXX Received and reviewed the provided document by the XXXXXX XXXXXXXX no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247535   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000247535   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Credit HazIns Hazard insurance effective date should be on or before closing, however the provided hazard insurance document effective date is after closing . Note closing date XX/XX/XXXX & Hazard insurance date is XX/XX/XXXX   EOI in effect prior to closing - see page 3 XXX XX/XX/XXXX Received and reviewed the provided HOI document for the XXXXXX mortgage, Exception has been resolved   XX/XX/XXXX Resolved C A C A
1000247535   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Credit TaxReturn The XXXX Federal Tax Return reflects an amount Owe of $XXXX, which is required to be paid off; however supporting document to verify tax owe is paid at the closing or before closing is missing in the loan file. Therefore provide the supporting document to verify Tax owe is paid.     XXX XX/XX/XXXX Received and reviewed the provided IRA reflecting a $X.XX tax balance owed. No findings were observed, hence, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247535   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 7 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 7 XX/XX/XXXX Credit CreditReport According to the borrowers Letter of Explanation regarding new credit inquiries, the XXXXXXXXX inquiry dated XX/XX/XXXX was confirmed by the borrower as a new line of credit. Please provide supporting documentation to verify the current balance and monthly payment details.   Please see docs attached XXX XX/XX/XXXX Received and reviewed the provided Credit statement with a zero balance, no findings observed, Hence exception has been resolve.   XX/XX/XXXX Resolved C A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 7 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not currently meet the Ability to Repay (ATR) requirements. According to the borrowers Letter of Explanation regarding new credit inquiries, the XXXXXXXXX  inquiry dated XX/XX/XXXX was confirmed as a new line of credit. Please provide supporting documentation verifying the current balance and monthly payment amount so the borrower's Ability to Repay can be accurately evaluated.   Please see docs attached XXX XX/XX/XXXX Received and reviewed the provided Credit statement with a zero balance, no findings observed, Hence exception has been resolve.   XX/XX/XXXX Resolved B A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 7 XX/XX/XXXX Credit TaxReturn The XXXX personal tax return reflects a tax owe amount of $XXXXX, the supporting document to verfy the amount is paid at or before closing is missng in the loan file.     XXX XX/XX/XXXX The loans is closed before XX/XX/XXXX, therefore the exception has been waived.   XX/XX/XXXX Waived C A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 7 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current Subject property Tax document is missing in the  loan file , Provide tax document for subject property     XXX XX/XX/XXXX: Received and reviewed the provided Property tax document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 6 of 7 XX/XX/XXXX Credit PropertyTaxRec The tax certificate for the subject property is missing. Provide a recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property tax document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247534   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 7 of 7 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247533   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property tax document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247533   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Credit UnderwritingAnalysis The divorce decree references Accounts XXXXXXX XXX Credit Card #XXXX, XXXXXXXX Credit Card #XXXXand XXXXXXXX Credit Card #XXXXas Borrower's liabilities . that are not reflected on the credit report. Provide supporting documentation evidencing that these debts have been satisfied, or documentation confirming the current outstanding balances, required monthly payments, and responsible party for each account.   See LOE XXX XX/XX/XXXX Received the reviewed the provided LOE from the XXXXXX XXXXXXXX, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247533   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement :1.The Subject Porperty tax certificate is missing from the file .2. Credit Card #XXXX as Borrower's liabilities . that are not reflected on the credit report. Provide supporting documentation evidencing that these debts have been satisfied, or documentation confirming the current outstanding balances, required monthly payments, and responsible party for each account..     XXX XX/XX/XXXX: Received and reviewed the provided Property tax document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000247533   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000247533   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233177   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit LtrOfExplanation An additional address located at XXXXX XX XXXXXXX XX XXXXX XX XXXXX is reflected on the paystub and W2, however Letter of Explanation is missing in the loan file.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the owner's details, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233177   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX – Tax cert has been received and reviewed. Accordingly, the exception has been resolved.
XXX XX/XX/XXXX: Received and reviewed the provided Property Data Report, unable to validate the tax amount. Therefore, the exception has been Upheld.		   XX/XX/XXXX Resolved C A C A
1000233177   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX – Tax cert has been received and reviewed. Accordingly, the exception has been resolved.
XXX XX/XX/XXXX: Received and reviewed the provided Property Data Report, unable to validate the tax amount. Therefore, the exception has been Upheld.
   XX/XX/XXXX Resolved B A C A
1000233177   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233177   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233178   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit TaxReturn In the borrower’s 1040 personal tax return, there is a tax owe of $XXXX. However, no supporting documentation has been provided to verify that this amount has been paid before or at closing. Provide documentation confirming payment of the tax owe is paid.     XXX XX/XX/XXXX The loans is closed before XX/XX/XXXX, therefore the exception has been waived.   XX/XX/XXXX Waived C A C A
1000233178   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233178   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233178   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233178   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233179   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233179   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233179   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233179   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233180   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233180   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233180   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233180   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233181   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233181   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000233181   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000233181   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233183   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 5 XX/XX/XXXX Credit CreditReport  Provide XX months of VOM or a mortgage statement for XX XX XX XXX #XXXX. Although the credit report reflects no late payments in the past XX months, the mortgage statement shows a past-due amount and unpaid late fees.     XXX XX/XX/XXXX Received and reviewed the provided Mortgage statement document for the XXXXXX XXXXXXXX, Since provided Mortgage statement XX/XX/XXXX showing Past due of XXX.XX and Unpaid late fees XXXX.XX. Provide Proof all late fee and past due has been paid.
XXX XX/XX/XXXX Received and reviewed the provided LOE from the XXXXXX XXXXXXXX, no findings observed. Hence, exception has been resolved.		   XX/XX/XXXX Resolved C A C A
1000233183   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 5 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement :  Provide XX months of VOM or a mortgage statement for XX XX XX XXX #XXXX. Although the credit report reflects no late payments in the past XX months, the mortgage statement shows a past-due amount and unpaid late fees     XXX XX/XX/XXXX Received and reviewed the provided Mortgage statement document for the XXXXXX XXXXXXXX, Since provided Mortgage statement XX/XX/XXXX showing Past due of XXX.XX and Unpaid late fees XXXX.XX. Provide Proof all late fee and past due has been paid.
XXX XX/XX/XXXX Received and reviewed the provided LOE from the XXXXXX XXXXXXXX, no findings observed. Hence, exception has been resolved.		   XX/XX/XXXX Resolved B A C A
1000233183   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 5 XX/XX/XXXX Credit URLA Initial 1003 is missing in the file     XXX XX/XX/XXXX: Received and reviewed the Initial 1003 and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233183   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 5 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233183   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 5 XX/XX/XXXX Compliance URLA The initial 1003 is missing from the file, and updated document is needed to rerun ComplianceEase.     XXX XX/XX/XXXX: Received and reviewed the Initial 1003 and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233158   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233093   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C B
1000233093   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.   Uploading prop detail report with tax info XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.
XXX XX/XX/XXXX Received and reviewed the provided property profile document reflects XXXX tax information. Since the loan closed in XXXX, provide the most recent year’s tax information, including any delinquency details.		   XX/XX/XXXX Resolved C A C B
1000233093   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C B
1000233093   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance ComplianceReport This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant XXXX Prepayment and Appraisal requirements have been met.         XX/XX/XXXX Cleared B B C B
1000233100   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.   Uploading tax cert

Uploading property detail report reflecting taxes		 XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.
XXX XX/XX/XXXX Received and reviewed the provided property profile document reflects XXXX tax information. Since the loan closed in XXXX , provide the most recent year’s tax information, including any delinquency details.
XXX XX/XX/XXXX Received and reviewed the provided Tax cert document for the XXXXXX XXXXXXXX, Since the provided tax document includes only utility taxes, provide the most recent year’s property tax statement.		   XX/XX/XXXX Resolved C A C A
1000233100   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.     XXX XX/XX/XXXX: Received and reviewed the provided Property Detail Report document, validated the tax information, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233100   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233100   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 8 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 8 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement: Provided the fully executed divorce decree, including all pages, to verify whether the borrower has any additional obligations     XXX XX/XX/XXXX: Received and reviewed the Judgement document, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 8 XX/XX/XXXX Credit DivorceDecree Provided the fully executed divorce decree, including all pages, to verify whether the borrower has any additional obligations.     XXX XX/XX/XXXX: Received and reviewed the Judgement document, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 8 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 8 XX/XX/XXXX Credit TitlePolicy The Provided title report reflecting a judgment and additional lien from the County of XXXXXXXXXX, XXXXXXXXXX XX XXXXXXX – XXXXXXXXXXXX XXXXXXXXX XXXXXXX & XXXXXXX, recorded on XX/XX/XXXX under instrument number XXXXXXXXXXXX in the amount of $XXXX.XX. This item must be cleared from title. Provide an updated title report showing removal of the lien or documentation confirming the judgment will be satisfied at closing     XXX XX/XX/XXXX: Received and reviewed the provided Termination of Lien document, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 6 of 8 XX/XX/XXXX Credit HazIns Provide an updated HOI policy reflecting the correct insured address of XXXX XXXX. The current policy lists the insured address as XXXX XXXX.   Uploading rebuttal XXX XX/XX/XXXX Received and reviwed the provided LOE from the XXXXXX XXXXXXXX, no findings observed. Hence, exception has been resloved.   XX/XX/XXXX Resolved C A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 7 of 8 XX/XX/XXXX Credit FloodPolicyprelim Provide an updated flood insurance policy reflecting the correct insured address of XXXX XXXX. The current policy lists the insured address as XXXX XXXX.   Uploading rebuttal XXX XX/XX/XXXX Received and reviwed the provided LOE from the XXXXXX XXXXXXXX, no findings observed. Hence, exception has been resloved.   XX/XX/XXXX Resolved C A C A
1000233101   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 8 of 8 XX/XX/XXXX Credit W2 Provide XXXX W2 for Prior employment Advanced Renovation.     XXX XX/XX/XXXX: Exception has been Waived, since borrower X years employment history verified with self-employment   XX/XX/XXXX Waived C A C A
1000233076   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233076   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Credit LtrOfExplanation The borrower has been employed at the XXXXXXXXXX XX XXXXXXXX XXXXXX XXXXXX since XXXX XX, XXXX. However, the XXXX W-2 reflects a less income compared to XXXX years income. Please provide a Letter of Explanation (LOX) from the borrower regarding this lower income for XXXX.     XXX XX/XX/XXXX: Received and reviewed the provided Letter of explanation, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233076   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The borrower has been employed at the XXXXXXXXXX XX XXXXXXXX XXXXXX XXXXXX since XXXX XX, XXXX. However, the XXXX W-2 reflects a less income compared to XXXX years income. Please provide a Letter of Explanation (LOX) from the borrower regarding this lower income for XXXX.     XXX XX/XX/XXXX: Received and reviewed the provided Letter of explanation, and noted no additional observations. Therefore, the exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233076   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A C A
1000247532   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000247532   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000247532   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A A A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 6 XX/XX/XXXX Credit PropertyTaxRec Subject property tax document is missing in loan file.     XXX XX/XX/XXXX Received and reviewed the provided tax document, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 6 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement :Subject Property Tax document is missing in loan file.     XXX XX/XX/XXXX Received and reviewed the provided tax document, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 6 XX/XX/XXXX Credit OtherCreditDocs Please provide an installment statement for account #XXXXXX/XXXX #XXXX, which currently reflects a balance of $XXXXX with a monthly payment of $XXX.XX, as shown in the Final 1003.
However, this account is missing from the credit report. Kindly provide an statement verifying the account details, or provide credit supplement to verify that.		     XXX XX/XX/XXXX Received and reviewed the provided credit supplement document, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 6 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement : Since the  installement statement for the account#XXXXXX/XXXX #XXXX with the balance $XXXXX and payment $XXX.XXis missing in credit report. Provide statement to verify the same or provide credit the supplemental credit report     XXX XX/XX/XXXX Received and reviewed the provided credit supplement document, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 5 of 6 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000233099   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 6 of 6 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000247550   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit HazIns The hazard insurance policy for the subject property does not list XXXXXX XXXXXXXX XXXXXXXXXXX clause. Provide an updated Homeowners Insurance document that includes the correct XXXXXX XXXXXXXX loss payee clause.     XXX XX/XX/XXXX Received and reviewed the provided HOI document with XXXXXX XXXXXXXX clause, no findings observed. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000247550   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000247550   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233171   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 4 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000233171   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 4 XX/XX/XXXX Credit PropertyTaxRec The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.   Uploading tax cert XXX XX/XX/XXXX – Tax cert has been received and reviewed. Accordingly, the exception has been resolved.
XXX XX/XX/XXXX: Received and reviewed the provided Property Data Report, unable to validate the tax amount. Therefore, the exception has been Upheld.		   XX/XX/XXXX Resolved C A C A
1000233171   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement. The current tax certificate for the subject property is missing from the loan file. Provide recent year tax document.   Uploading tax cert XXX XX/XX/XXXX – Tax cert has been received and reviewed. Accordingly, the exception has been resolved.
XXX XX/XX/XXXX: Received and reviewed the provided Property Data Report, unable to validate the tax amount. Therefore, the exception has been Upheld.		   XX/XX/XXXX Resolved B A C A
1000233171   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 4 of 4 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         XX/XX/XXXX Cleared A A C A
1000226506   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000226506   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A A A
1000226506   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000226459   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000226459   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A C A
1000226459   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation AppraisalReport There is Discrepancy between the property type shown in our documents (Form 1003, Deed of trust/Mortgage) which indicate single family residence, and online sources and AVM, which classify the property as multifamily. We need to verify the correct classification and update the documents accordingly.   Uploading 1003/Uploading recorded scrivener's affidavit XXX XX/XX/XXXX – Provided Service affidavit and 1-4 Rider has been received and reviewed. Accordingly, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000226538   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit PayoffLetter Taxes owe for year XXXX in amount of $XXXX.XX noted in personal tax return so need proof that this amount is paidoff    Uploading tax pymts XXX XX/XX/XXXX – Provided tax pymts has been received and reviewed. Accordingly, the exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000226538   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A C A
1000226538   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A C A
1000252164   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 3 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000252164   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 2 of 3 XX/XX/XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.          XX/XX/XXXX Cleared A A A A
1000252164   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Investment Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 3 of 3 XX/XX/XXXX Valuation No Valuation Findings The secondary valuation product supported the original appraised value within XX%.         XX/XX/XXXX Cleared A A A A
1000065736   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit DivorceDecree Final 1003 reflects child support in the amount of $XXXX and the same has been added into DTI calculation. However, a Divorce decree or separation agreement is missing in the loan file to verify any other obligations that are related to the borrower.     XXX XX/XX/XXXX: Received divorce decree to verify other obligations. Hence exception has been resolved.    XX/XX/XXXX Resolved C A C A
1000065736   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Divorce Decree is missing in the loan file to validate the alimony and other obligation to be included in the DTI.     XXX XX/XX/XXXX: Received divorce decree to verify other obligations. Hence exception has been resolved.    XX/XX/XXXX Resolved B A C A
1000065722   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065681   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065698   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065728   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065896   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065723   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065731   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065757   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 3 XX/XX/XXXX Credit PayHistory Missing supporting document to verify the XX months payment history for subject property "XX X XXX XX XXX XXX XXXXXXX XX XXXXX" of mortgage account XXXXXXX #XXXX. Note: Credit report does not reflect this trade line, hence required XX months VOM to verify the payment history     XXX XX/XX/XXXX: Received XXXXXXX XXXXXXXX #XXXX payment history documentation and verified XX months of payment history. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000065757   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 3 XX/XX/XXXX Credit ClosingDocs Missing Heloc agreement for subject property "XX X XXX XX XXX XXX XXXXXXX XX XXXXX"     XXX XX/XX/XXXX: Received Heloc agreement and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000065757   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 3 of 3 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as missing supporting document to verify the XX months payment history for subject property "XX X XXX XX XXX XXX XXXXXXX XX XXXXX" of mortgage account XXXXXXX #XXXX. Note: Credit report does not reflect this trade line, hence required XX months VOM to verify the payment history     XXX XX/XX/XXXX: Received XXXXXXX XXXXXXXX #XXXX payment history documentation and verified XX months of payment history. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000065906   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065733   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065824   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065743   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065740   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit HOADocumentation Missing HOA Documentation for subject property "XXXX XXXX XXXXXX X XXX XXXXXXXXX XX XXXXX”
Note: Unable to verify the HOA dues from online search.		     XXX XX/XX/XXXX: Received HOA document and verified HOA dues amount. Hence exception has been resolved.   XX/XX/XXXX Resolved  C A C A
1000065711   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065712   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065754   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065716   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065734   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065871   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065793   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065684   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065705   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065697   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065678   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065679   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065807   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065848   XXXXXXXXXX XX/XX/XXXX XXXXX  [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065794   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065769   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065792   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065861   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065892   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065817   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065844   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065778   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065773   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065747   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065828   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065849   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065852   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065777   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065813   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065798   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065916   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065874   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065814   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065760   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065866   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Valuation AppraisalReview Provided appraisal report reflects Legal Description as "XXXXX XXXX XXX XXX" under subject section. However, XXXXX in title report reflects as XXXX. Please provide updated appraisal report with correct XXXXX in subject section.     XXX XX/XX/XXXX: Received updated appraisal report with correct XXXXX # in legal description. Hence, exception has been resolved.   XX/XX/XXXX Resolved  C A C A
1000065866   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000065832   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065859   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065806   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065842   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit PayStub Missing paystub or WVOE for Borrower "XXXXX XXXXXX XXXX" Second Job from the employer "XXXXXXXX XXXXXX XXXXXX XXX".     XXX XX/XX/XXXX: Received paystub from employer "XXXXXXXX XXXXXX XXXXXX XXX" and recalculated the income. Hence exception has been resolved.   XX/XX/XXXX Resolved D A D A
1000065842   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as Missing paystub or WVOE for Borrower "XXXXX XXXXXX XXXX" Second Job from the employer "XXXXXXXX XXXXXX XXXXXX XXX".     XXX XX/XX/XXXX: Received paystub from employer "XXXXXXXX XXXXXX XXXXXX XXX" and recalculated the income. Hence exception has been resolved.   XX/XX/XXXX Resolved B A D A
1000065925   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065676   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065883   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065885   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065812   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit ClosingDocs Final Documents (Final 1003,Heloc settlement statement, Heloc agreement, Final DOT) are missing in loan file for the Subject Property : XXX XXXXXXXX XXX, XXXXXXX, XX XXXXX.
Note:once final heloc setlement is received, payoff of "X.X XXXXX XXXXXXXXX XXXXXXXXXXXXX", will be verified.		     XXX XX/XX/XXXX: Received final documents (Final 1003,Heloc settlement statement, Heloc agreement, Final DOT) and reviewed them accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved D A D A
1000065812   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance CloseInstr Closing instruction is missing in loan file     XXX XX/XX/XXXX: Closing instruction received. Hence the exception is resolved   XX/XX/XXXX Resolved D A D A
1000065830   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065831   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065737   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065726   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit OtherCreditDocs Missing following documents:
1. Copy of a written legal agreement or court decree detailing all terms of the child support income including
the amount of the award, child DOB to verify the continuance and other obligations to borrower.
2. Evidence of child report receipt for XX/XXXX. Provided bank statements cover only X months of proof of receipt.		     XXX XX/XX/XXXX: Received explanation from borrower and reviewed information about child support income and other obligation. Hence exception has been resolved.
XXX XX/XX/XXXX: Require full divorce decree to verify the other orders and obligations for borrower since provided document is Court order for child support and paragraph X states "All prior orders to remain in full force and effects".		   XX/XX/XXXX Resolved C A C A
1000065726   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as divorce decree and evidence of child report receipt for XX/XXXX are missing in the loan package     XXX XX/XX/XXXX: Received explanation from borrower and reviewed information about child support income and other obligation. Hence exception has been resolved.
XXX XX/XX/XXXX: Require full divorce decree to verify the other orders and obligations for borrower since provided document is Court order for child support and paragraph X states "All prior orders to remain in full force and effects".		   XX/XX/XXXX Resolved B A C A
1000065708   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054908   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065724   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054904   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit OtherCreditDocs Missing HELOC Freeze or closer letter for the HELOC account XXXXXX XXXXX XX XXXXX #XXXXXXXXXXXX .     XXX XX/XX/XXXX: Received close out letter and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved  C A C A
1000054904   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the closer letter is missing in the loan file.     XXX XX/XX/XXXX: Received close out letter and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000065732   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065853   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054899   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065699   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit UnderwritingAnalysis DTI exceeds the guideline limit of XX%. Current DIT is XX.XX% with FICO score as XXX. However residual income requirement ($XXXX) is not met.     XXX XX/XX/XXXX: Received letter of explanation. Proposed expenses has been recalculated and residual income requirement is met. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000065699   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014); The loan does not meet the ATR requirement as the DTI exceeds the guideline limit of XX%. Current DIT is XX.XX% with FICO score as XXX. However residual income requirement ($XXXX) is not met.     XXX XX/XX/XXXX: Received letter of explanation. Proposed expenses has been recalculated and residual income requirement is met. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054905   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054900   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054876   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit OtherCreditDocs The Following Liabilities are listed in 1003 and not listed in Credit report. Missing Credit Supplement or account statement for 1.XXXXXXX XXXXXXXX XXXXX #XXXX. 2. XXX XXXXXXXXX XXXXXXXX #XXXX. 3.XXXXX XXXX #XXXX.4.XXXXX/XXXX XXXXXX #XXXX.     XXX XX/XX/XXXX: Received latest credit report with missing liabilities and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054876   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the The Following Liabilities are listed in 1003 and not listed in Credit report. Missing Credit Supplement or account statement for 1.XXXXXXX XXXXXXXX XXXXX #XXXX. 2. XXX XXXXXXXXX XXXXXXXX #XXXX. 3.XXXXX XXXX #XXXX.4.XXXXX/XXXX XXXXXX #XXXX.     XXX XX/XX/XXXX: Received latest credit report with missing liabilities and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054884   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065867   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054892   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054886   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000054886   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Valuation AppraisalReview AVM is used to determine the property value. However, Property Condition Report is missing in the package as per the guidelines.     XXX XX/XX/XXXX: PCI report has been provided and it has been evaluated. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054877   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit HazIns Provide an Re-newal HOI policy with updated premium amount, as provided policy is expirinig next day of closing.     XXX XX/XX/XXXX: Received renewal HOI Policy and verified premium amount. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054874   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054889   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054879   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065908   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000065908   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Valuation AppraisalReport Provided appraisal report reflects Bathroom count as "X.X" under improvement section. However, in building sketch and in photos Bathroom count is "X". Please provide updated appraisal report with correct Bathroom counts.     XXX XX/XX/XXXX : In revised appraisal report bathroom count in improvements section has been corrected to match building sketch. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000065677   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054865   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit LtrOfExplanation Coborrower is receiving paid family leave pay. However supporting document or letter of explanation is missing in the loan file to verify paid leave period.
Note : Provided notification from employer document shows the claim effective date as XX/XX/XXXX.		     XXX XX/XX/XXXX: Received explanation from employer and verified paid leave period. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054865   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): Coborrower is receiving paid family leave pay. However supporting document or letter of explanation is missing in the loan file to verify paid leave period.     XXX XX/XX/XXXX: Received explanation from employer and verified paid leave period. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054858   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054848   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054852   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054859   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit OtherCreditDocs Missing loan statement or credit supplement to verify the balance & payments for the accounts  XXXXXXX XXXXXXX XXXXXX dated on XX/XX/XXXX which is newly opened as per inquiry letter. (Provided inquiry LOE borrower stated for New Debt 'Yes', but credit report doesn't reflects these accounts.)     XXX XX/XX/XXXX: Received LOE and reviewed information about credit inquiries, no new debt was opened. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054859   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Missing loan statement or credit supplement to verify the balance & payments for the accounts  XXXXXXX XXXXXXX XXXXXX dated on XX/XX/XXXX which is newly opened as per inquiry letter. (Provided inquiry LOE borrower stated for New Debt 'Yes', but credit report doesn't reflects these accounts.)     XXX XX/XX/XXXX: Received LOE and reviewed information about credit inquiries, no new debt was opened. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054860   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054855   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054835   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054837   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit CreditPkg Missing Supporting document to verify  sufficient reserves for XXXX#XXXX- 30 days OPEN account, Per Final 1003, this has been considered with minimum amount of #XXX.XX. However existing oustanding account balance is $ XXXXX.XX.     XXX XX/XX/XXXX: Received loan statement to verify XXXX account payment and reviewed accordingly. Hence condition has been resolved.    XX/XX/XXXX Resolved C A C A
1000054837   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as missing Supporting document to verify  sufficient reserves for XXXX#XXXX- 30 days OPEN account, Per Final 1003, this has been considered with minimum amount of #XXX.XX. However existing oustanding account balance is $ XXXXX.XX..     XXX XX/XX/XXXX: Received loan statement to verify XXXX account payment and reviewed accordingly. Hence condition has been resolved.    XX/XX/XXXX Resolved B A C A
1000054838   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054840   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054842   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054804   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054816   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit HazIns Provided hazard insurance policy reflects mortgagee clause as "XXXXXXXXXX XXXXXXXX XXXXXXXXX ". However, hazard insurance policy with second mortgage clause as "XXXXXX XX, XXX" is missing in the loan file.     XXX XX/XX/XXXX: Received hazard insurance policy with mortgage clause as "XXXXXX XX XXX". Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054811   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065888   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054831   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054813   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054809   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054832   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065854   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054782   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054781   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054797   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054784   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054791   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054799   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054774   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054775   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054778   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054761   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Missing XXXX XX for the coborrower "XXXXX XXXXXX XXXXXXX" from "XXXXXXXX".     XXX XX/XX/XXXX: Received documentation and verified information about XXXX W2 income. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054761   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Credit W2 Missing XXXX W2 for the coborrower "XXXXX XXXXXX XXXXXXX" from "XXXXXXXX".     XXX XX/XX/XXXX: Received documentation and verified information about XXXX W2 income. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054772   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054768   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065707   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054753   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX  1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054759   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit TaxReturn XXXX Tax returns show a tax liability owed to the IRS in the amount of $XX,XXX.XX  Missing documentation showing the tax liability is paid in full.     XXX XX/XX/XXXX Received check to confirm IRS payment was made. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054737   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054747   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054682   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054679   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054621   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Second Home Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 3 XX/XX/XXXX Credit VerbalVOE Missing VerbalVoe for business XXX XXXXX XXX within XXX business days prior to closing is missing in the loan file.     XXX XX/XX/XXXX: Received employment verification snapshot, borrower current employment status is active and the document is within XX days of closing. Hence exception has been resolved.   XX/XX/XXXX Resolved C A D A
1000054621   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Second Home Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 3 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as Missing VerbalVoe for business XXX XXXXX XXX within XXX business days prior to closing is missing in the loan file.     XXX XX/XX/XXXX: Received employment verification snapshot, borrower current employment status is active and the document is within XX days of closing. Hence exception has been resolved.   XX/XX/XXXX Resolved B A D A
1000054621   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Second Home Refinance ATR/QM Exempt ATR/QM Exempt XXXX 3 of 3 XX/XX/XXXX Compliance CloseInstr Provide Closing Instructions with full pages .(Page X of X is missing)     XXX XX/XX/XXXX: Closing instruction received with all pages. Hence the exception is resolved   XX/XX/XXXX Resolved D A D A
1000054692   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Compliance CloseInstr Closing instruction is missing in the file.     XXX XX/XX/XXXX: Closing instruction received. Hence the exception is resolved   XX/XX/XXXX Resolved D A D A
1000054692   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A D A
1000054680   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 4 XX/XX/XXXX Credit LtrOfExplanation As per final 1003 liability from "XXXXXXXXX" is paying off with current transaction. However missing documentation to verify the exact outstanding balance.     XXX XX/XX/XXXX: Received Loan statement and verified balance and payment. Hence exception has been resolved.
XXX XX/XX/XXXX:Verified credit report, unable to find the account.		   XX/XX/XXXX Resolved C A C A
1000054680   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 4 XX/XX/XXXX Credit DivorceDecree Using child support income in the amount of $XXX.XX to qualify the borrower. However missing a divorce decree, court ordered separation agreement, court decree, or another legal agreement provided the payment terms confirm that the income will continue for at least the next X years and to verify if any other obligations that our borrower may liable to pay.     XXX XX/XX/XXXX: Received final court and child support income documents & X years continuance is verified. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054680   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 3 of 4 XX/XX/XXXX Credit LtrOfExplanation Borrower "XXXXXXXX  XXXXX" is receiving social security benefit on behalf of "XXXXXX XXXXXX XXXXXX". However missing documentation to verify proof of X years continuance.     XXX XX/XX/XXXX: Received letter of explanation for the X Years continuance of social security income. Hence exception has been resolved.
XXX XX/XX/XXXX: Borrower XXXXXXXX XXXXX is receiving social security benefit on behalf of XXXXXX XXXXXX XXXXXX. However missing documentation to verify proof of  X years.		   XX/XX/XXXX Resolved C A C A
1000054680   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 4 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Divorce Decree is missing in the loan file to validate the alimony and other obligation to be included in the DTI & missing documentation to verify proof of X years continuance of borrower SS income.     XXX XX/XX/XXXX: Received final court and child support income documents, X years continuance is verified & Received letter of explanation for the X Years continuance of social security income . Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054728   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054729   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit W2 Missing XXXX W2 for the borrower "XXXXXX XXXXX" from "XXX XXXXX XXXXXXXXXXXX XXXXXXXXXXX".     XXX XX/XX/XXXX: Received W2 and verified information about XXXX W2. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054729   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Missing XXXX XX for the borrower "XXXXXX XXXXX" from "XXX XXXXX XXXXXXXXXXXX XXXXXXXXXXX".     XXX XX/XX/XXXX: Received W2 and verified information about XXXX W2. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054717   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 OF 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065923   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054718   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054706   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054698   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1  XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054713   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054709   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054733   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit LtrOfExplanation Title, DOT reflects borrower as married "XXXXXX XX XXXXXX XXXXXX, a married man" and 1003 reflects as unmarried. However explanation or supporting documentation is missing in file.
Note: Additional conditions may apply (Divorce decree)		     XXX XX/XX/XXXX: Received documentation (Corrected 1003) and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054722   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054714   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Credit OtherCreditDocs Missing loan statement or credit supplement to verify the balance & payments for the accounts  XXXXXX XXX XXXX XX dated on XX/XX/XXXX which is newly opened as per inquiry letter. (Provided inquiry LOE borrower stated for New Debt 'Yes', but credit report doesn't reflects these accounts.)     XXX XX/XX/XXXX: Received XXXXXX XXX XXXX XX account statement to verify balance and payment. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054714   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the missing loan statement or credit supplement to verify the balance & payments for the accounts  XXXXXX XXX XXXX XX dated on XX/XX/XXXX which is newly opened as per inquiry letter. (Provided inquiry LOE borrower stated for New Debt 'Yes', but credit report doesn't reflects these accounts.)     XXX XX/XX/XXXX: Received XXXXXX XXX XXXX XX account statement to verify balance and payment. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054639   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054640   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 4 XX/XX/XXXX Credit ClosingDocs Final documents (Final 1003, Final HELOC Agreement, HELOC Settlement Statement Final DOT, AKA LOE) are missing in loan file.     XXX XX/XX/XXXX: Received final documents (Final 1003, Final HELOC Agreement, HELOC Settlement Statement Final DOT, AKA LOE) and reviewed them accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A D A
1000054640   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 4 XX/XX/XXXX Credit OtherCreditDocs Borrower "XXXXXXX XXXXXX" is divorced and as per LOE (Buyout and Disbursement) borrower is liable pay the amount of $XXXXX.XX and $XXXXXX.XX (Total = $XXXXXX.XX) to his ex wife which is due on XX/XX/XXXX and XX/XX/XXXX respectively. However documentation is missing in file to verify the payment's has been made.     XXX XX/XX/XXXX: Received documentation (Bank statement reflects balance transfer). Hence exception has been resolved.   XX/XX/XXXX Resolved C A D A
1000054640   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 3 of 4 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as documentation is missing in file to verify the payment's has been made (Final settlement of borrower ex wife)     XXX XX/XX/XXXX: Received documentation (Bank statement reflects balance transfer). Hence exception has been resolved.   XX/XX/XXXX Resolved B A D A
1000054640   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 4 of 4 XX/XX/XXXX Compliance CloseInstr Closing instruction is missing in the file.     XXX XX/XX/XXXX: Closing instruction received. Hence the exception is resolved   XX/XX/XXXX Resolved D A D A
1000054661   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054655   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054657   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054650   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054620   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit CreditPkg Missing borrower's signature to authorize the closing of HELOC account XXXXXXX XXXX XXXXX & X  #XXXX which is being paid at closing.
Note: Payoff statement present in the loan file is not signed by the borrower		     XXX  X/XX/XXXX: Received Heloc Close Out Letter and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054625   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2  XX/XX/XXXX Credit UnderwritingAnalysis Underwriter consider monthly payment for XX/XXX/XXX#XXXX  is $XXXX, as per the latest mortgage statement it is $XXXX.XX, considering this payment DTI exceed the limit of XX%.     XXX XX/XX/XXXX: Received recent monthly statement and verified actual monthly payment. Hence exception has been resolved.
XXX XX/XX/XXXX: There is no document uploaded Request to reupload the rebuttal document		   XX/XX/XXXX Resolved C A C A
1000054625   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2  XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Underwriter consider monthly payment for XX/XXX/XXX XXXX  is XXXX, as per the latest mortgage statement it is XXXX.XX, considering this payment DTI exceed the limit of XX%.     XXX XX/XX/XXXX: Received recent monthly statement and verified actual monthly payment. Hence exception has been resolved.
XXX XX/XX/XXXX: There is no document uploaded Request to reupload the rebuttal document		   XX/XX/XXXX Resolved B A C A
1000065897   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A C A
1000065897   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Valuation AppraisalReview Provided Appraiser connect report reflects Assessor Parcel# as "XXXXXXXXXXXXXXXXXXXXXX" under subject section. However, Assessor Parcel# in title report reflects as XXXXXXXXXXX. Please provide updated Appraiser connect report with correct Assessor Parcel# in subject section.     XXX XX/XX/XXXX: Received updated appraisal report with correct Assessor's Parcel #. Hence, exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054626   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054634   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054636   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054635   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054610   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054599   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054612   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000065903   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054604   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 6 XX/XX/XXXX Credit W2 Missing XXXX & XXXX W2 for borrower "XXXXX X XXXXX" from employer "XXXXXXX XXXXXXXXX".     XXX XX/XX/XXXX: Received XXXX & XXXX W2 for borrower from XXXXXXX XXXXXXXXX  employer and recalculated the income. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 6 XX/XX/XXXX Credit VerbalVOE Verbal Verification of Employment for borrower "XXXXX X XXXXX" employer "XXXXXXX XXXXXXXXX" within XX days prior to closing is missing in the loan file.     XXX XX/XX/XXXX: Received employment verification snapshot, borrower current employment status is active and the document is within XX days of closing. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 3 of 6 XX/XX/XXXX Credit HOADocumentation Missing HOA Documentation for subject property "X XXXX XX XXXX XX XXXXXXXX XX  XXXXX ".     XXX XX/XX/XXXX: Received HOA documentation for subject property and verified HOA dues. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 4 of 6 XX/XX/XXXX Credit DriversLicense Missing Driving License for borrower "XXXXX X XXXXX" in the loan file.     XXX XX/XX/XXXX: Received driving license for borrower and reviewed accordingly. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 5 of 6 XX/XX/XXXX Credit PayHistory Missing Mortgage Statement of subject's 1st lien "XXXXXXXXXX/XX XXXXXX #XXXX" to verify that mortgage payment was made within XX days prior to the loan application date.     XXX XX/XX/XXXX: Received recent mortgage statement, verified within XX days of application date and no late payments. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054577   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 6 of 6 XX/XX/XXXX Compliance ATR/QM Defect Ability to Repay (Dodd-Frank 2014): The loan does not meet the ATR requirement as the Verbal Verification of Employment, XX is missing in the loan file.     XXX XX/XX/XXXX: Received XXXX & XXXX W2 for borrower from XXXXXXX  XXXXXXXXX employer and recalculated the income & Received employment verification snapshot, borrower current employment status is active and the document is within XX days of closing. Hence exception has been resolved.   XX/XX/XXXX Resolved B A C A
1000054564   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054586   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance QM: Non-Verified QM: Non-Verified XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054581   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054583   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054565   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054569   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit MiscDocs Missing Tax cert for the other REO "XXXX XXXXXX XXXX XXX, XXXXXXXXXX, XX XXXXX".     XXX XX/XX/XXXX: Received Tax document and verified monthly tax amount. Hence exception has been resolved.   XX/XX/XXXX Resolved C A C A
1000054589   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054590   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054592   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054593   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054607   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000054606   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 1 of 2 XX/XX/XXXX Compliance Closing Instruction Closing Instructions is missing in the file.     XXX XX/XX/XXXX Closing instruction received. Hence the exception is resolved   XX/XX/XXXX Resolved D A D A
1000054606   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXX 2 of 2 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A D A
1000046257   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000046035   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.   The loan meets all applicable credit guidelines     XX/XX/XXXX Cleared A A A A
1000040248   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt  XXXXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000040250   XXXXXXXXXX XX/XX/XXXX XXXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A
1000040096   XXXXXXXXXX XX/XX/XXXX XXXXX [ ] XX Primary Residence Refinance ATR/QM Exempt ATR/QM Exempt XXXXXX 1 of 1 XX/XX/XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         XX/XX/XXXX Cleared A A A A