j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.50
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| REDACTED | 305097693 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Acknowledged-LOE dated post-close received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-CASH OUT LETTER IS MISSING FROM FILE. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Acknowledged-LOE dated post-close received. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||
| REDACTED | 305097693 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Ready for Review-Document Uploaded. - Seller-REDACTED Open-page 1 of CD on pg 35/99 shows property taxes and homeowners insurance included in escrows. Tax impounds on pg 36/99 shows REDACTED for property taxes. Escrow waiver on pg 41/99 indicates just insurance is escrowed. Post-close CD is required amending showing only hazard insurance escrowed. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097639 | D | A | D | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Missing 1008/UW Approval Document Corrected 1008 needed. 1008 in file did not add B1 income to total income & is showing inaccurate DTI of REDACTED. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097639 | D | A | D | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. THIS INCREASE WAS INITIALLY DISCLOSED ON THE CD DATED REDACTED. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-COC received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097639 | D | A | D | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. THIS INCREASE WAS INITIALLY DISCLOSED ON THE CD DATED REDACTED. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-COC received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097639 | D | A | D | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO APPRAISAL REINSPECTION FEE OR A CDA DISCLOSED ON THE INITIAL LE. AN APPRAISAL REINSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A CDA FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-COC received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097636 | D | A | A | A | D | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Guaranty received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Uploaded - Buyer-REDACTED Open-FULLY EXECUTED PERSONAL GUARANTY FROM BOTH INDIVIDUALS NEEDED - Due Diligence Vendor-REDACTED |
Resolved-Guaranty received - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097596 | C | A | C | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | Disclosure | Note terms are incorrect | Resolved-No REDACTED required on 1st lien DSCR in REDACTED. - Due Diligence Vendor-REDACTED Ready for Review-This is true, but this is not REDACTED, this is REDACTED It was locked with REDACTED, but that’s allowed. - Buyer-REDACTED Counter-Per REDACTED guidelines dated REDACTED: REDACTED loans require a REDACTED where allowable by state. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached rate lock. the loan was locked with REDACTED Thanks! - Buyer-REDACTED Open-There is no REDACTED on subject collateral in REDACTED as required. - Due Diligence Vendor-REDACTED |
Resolved-No REDACTED required on REDACTED in REDACTED. - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097596 | C | A | C | A | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-HOI coverage received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see attached. **Please go to the "coverages" section. The REDACTED item down is the REDACTED. REDACTED for a total of REDACTED Thanks! - Buyer-REDACTED Open-The RCE in file cannot be used as it is from REDACTED. Coverage is not sufficient to cover loan amount. Coverage is REDACTED vs. loan amount of REDACTED. There is no additional coverage A % or ordinance/law % on policy to be added to coverage A amount. - Due Diligence Vendor-REDACTED |
Resolved-HOI coverage received. - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097573 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Verification of title with lenders coverage sufficient to cover loan amount received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Title Document is incomplete or only partially present PRELIMINARY TITLE SHOWS LENDER'S COVERAGE OF REDACTED AND SHOULD BE REDACTED TO COVER LOAN AMOUNT. UPDATED TITLE COVERAGE NEEDED. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Verification of title with lenders coverage sufficient to cover loan amount received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||
| REDACTED | 305097573 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Final 1003 information received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Final 1003 additional REO information is not complete. There is a mortgage with REDACTED listed, but there is no property address. Updated final 1003 required. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Final 1003 information received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-YTD P&L plus 2 months bank statements received for both businesses - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Counter-Thank you for the information. For REDACTED, per guidelines based on the self-emp income and two years tax returns, YTD P&L plus 2 months bank statements are required to support the tax returns. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Only REDACTED has paystubs – for REDACTED– because she is NOT self employed with that company. All other employment income is from self employed income and the tax return / W-2 documentation is the income documentation, attached. - Seller-REDACTED Counter-Paystubs for B2 received. Still need paystubs for B1. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Income and Employment Do Not Meet Guidelines Missing documentation to verify the following monthly incomes: Borrower 1 REDACTED and Borrower 2 REDACTED per Final 1003. There are no current paystubs in file. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED Ready for Review-Document Uploaded. Only REDACTED has paystubs – for REDACTED– because she is NOT self employed with that company. All other employment income is from self employed income and the tax return / W-2 documentation is the income documentation, attached. - Seller-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-YTD P&L plus 2 months bank statements received for both businesses - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Assets for reserves & verification of EMD received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Here are the asset statements with sufficient remaining cash to close to cover reserve requirement. - Seller-REDACTED Counter-Received CPA letter & verification of escrow deposits/down payment. Still needed: Asset documentation to meet the REDACTED months of required reserves. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - SellerREDACTED Open-1. The loan file is missing asset documentation to meet the required REDACTED months reserves 2. Missing CPA letter for use of business funds to close as referenced on UW 1008 (pg 123) 3. Missing verification of down payment - as stated on 1008 - INITIAL ESCROW DEPOSIT REDACTED. ADD'L REDACTED WAS WIRED FROM THE SAME ACCOUNT REDACTED - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Here are the asset statements with sufficient remaining cash to close to cover reserve requirement. - Seller-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Assets for reserves & verification of EMD received. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lease agreement & supporting docs received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Missing supporting documentation to verify monthly income of REDACTED for other REO at REDACTED- Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Lease agreement & supporting docs received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income calculation worksheet received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - SellerREDACTED Counter-Lender calculation for B2 only received. Lender income calculation for B1 needed. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Missing income calculation worksheet required by guidelines - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Lender income calculation worksheet received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Ready for Review-Document Uploaded. - Seller-REDACTED Open-Borrower 1 Lease Agreements Missing Missing lease agreement to verify monthly rent of REDACTED for other REO at REDACTED per final 1003. - Due Diligence Vendor-REDACTED |
Documentation received - REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Counter-Gap credit report the does not show credit scores from REDACTED received which is already in file. Original credit report showing credit scores is needed. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Selle-rREDACTED Open-Borrower 1 Credit Report is Missing. - The loan file is missing the initial credit report; only the gap credit report is present - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Apologies, I was not sure which report to provide, I have attached the previous ones - Seller-REDACTED REDACTED-Gap credit report the does not show credit scores from REDACTED received which is already in file. Original credit report showing credit scores is needed. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Borrower 2 Credit Report is Missing. - The loan file is missing the initial credit report; only the gap credit report is present - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Apologies, I was not sure which report to provide, I have attached the previous ones - Seller-REDACTED Ready for Review-Document Uploaded. - SellerREDACTED |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Final title received showing sufficient coverage & lender as named insured. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Prelim title does not show lender as a named insured for lenders coverage. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Final title received showing sufficient coverage & lender as named insured. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary value received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than REDACTED The CU score isREDACTED; therefore, a third-party valuation is required. UW 1008 references AVM, but AVM is not located in file. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Secondary value received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Disclosure received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097497 | D | A | D | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Disclosure received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097439 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. attached - Buyer-REDACTED Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |
Resolved-COC received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097439 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Attached - Seller-REDACTED Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $51.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than REDACTED days after consummation. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREAED TO THE AMOUNT OF REDACTED. A LENDER CREDIT OF REDACTED WAS APPLIED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Attached - Seller-REDACTED |
Resolved-COC received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097439 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Attached - Seller-REDACTED Open-Title Document is incomplete or only partially present 1. LENDER'S COVERAGE & LENDER AS NAMED INSURED IS MISSING FROM PRELIMINARY TITLE . - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Attached - Seller-REDACTED |
Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097439 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Additional reserves account documentation received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. REDACTED missing from closing package. See attached. Total verified reserves + FTC from REDACTED= REDACTED- Buyer-REDACTED Open--VERIFIED SUFFICIENT FUNDS FOR CLOSING IN THE AMOUNT OF REDACTED. FUNDS REQUIRED AT CLOSING REDACTED + REDACTED months reserves=REDACTED. SHORT RESERVES IN THE AMOUNT OF REDACTED OTHER ASSET STATEMENTS IN THE FILE FROM REDACTED AND REDACTED ARE NOT IN BORROWER'S NAME - Due Diligence Vendor-REDACTED |
Resolved-Additional reserves account documentation received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097439 | D | B | D | B | C | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-exception is on pg 1 to allow primary residence (in non borrowing spouse's name only) REDACTED months statements, Non borrowing spouse credit report was also obtained on pg 56 showing REDACTED mtg paid as agreed for REDACTED mos - Due Diligence Vendor-REDACTED | Waived-exception is on pg 1 to allow primary residence (in non borrowing spouse's name only) REDACTED months statements, Non borrowing spouse credit report was also obtained on pg 56 showing REDACTED mtg paid as agreed for REDACTED mos - Due Diligence Vendor-REDACTED | Borrower has been a self-employed REDACTED for the past REDACTED years, REDACTED,REDACTED verified full doc |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | Originator Pre-Close | Yes | ||||
| REDACTED | 305097354 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| REDACTED | 305097766 | D | A | A | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-ICD received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED |
Resolved-ICD received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097766 | D | A | A | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Verification disclosure was sent with initial disclosure package received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-ARM Disclosure Not Provided Within 3 Days of Application Date THE ARM DISCLOSURE LOCATED IN THE FILE WAS DATED REDACTED. INITIAL LE SHOWS THIS LOAN AS AN ARM. INITIAL LE IS DATED REDACTED. - Due Diligence Vendor-REDACTED |
Resolved-Verification disclosure was sent with initial disclosure package received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097766 | D | A | A | A | D | A | C | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Value received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than REDACTED CU score is REDACTED and cannot be used as secondary value. - Due Diligence Vendor-REDACTED |
Resolved-Secondary Value received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097217 | D | A | D | A | D | A | D | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-A recorded copy of the REDACTED of compliance is received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Seller-REDACTED Counter-Document received, however, a copy of the recorded document is required - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-State/County compliance requirement: A recorded copy of the REDACTED of compliance is required - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Seller-REDACTED |
Resolved-A recorded copy of the REDACTED of compliance is received. - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097217 | D | A | D | A | D | A | D | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Riders received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-1-4 Family Rider, Prepayment Rider, Condo Rider are all indicated on the Deed of Trust (page 176), but are not in file. (The fixed interest rate rider in marked and is present in file.) - Due Diligence Vendor-REDACTED |
Resolved-Riders received - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097217 | D | A | D | A | D | A | D | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved-Condo master insurance received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Ho, Please see the attached. Thanks! - Seller-REDACTED Open-Condo master insurance is needed - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. Ho, Please see the attached. Thanks! - Seller-REDACTED |
Resolved-Condo master insurance received - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097217 | D | A | D | A | D | A | D | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Condo questionnaire received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached. Thanks! - Buyer-REDACTED Open-HOA questionnaire is not in file - Due Diligence Vendor-REDACTED |
Resolved-Condo questionnaire received - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A | ||||
| REDACTED | 305097215 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Document received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached cash out letter. Thanks! - Buyer-REDACTED Open-CASH OUT LETTER IS MISSING. THE LETTER ON PG 46 IS A DIFFERENT BORROWER AND PROPERTY - Due Diligence Vendor-REDACTED |
Resolved-Document received - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097215 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Certificate of Good Standing received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Hi, Please see the attached certificate of good standing. Thanks! - Buyer-REDACTED Open-Missing evidence REDACTED is active and in Good Standing. - Due Diligence Vendor-REDACTED |
Resolved-Certificate of Good Standing received. - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| REDACTED | 305097205 | C | B | B | B | C | A | B | B | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Verification of bonafide discount points received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. Bona fide calc uploaded - Buyer-REDACTED Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is REDACTED or more, and the transaction's total points and fees is REDACTED, which exceeds REDACTED percent of the total loan amount of REDACTED; orThe loan amount is less than REDACTED and the transaction's total points and fees is REDACTED, which exceeds the lesser of REDACTED percent of the total loan amount of REDACTED or REDACTED. Mavent on page 585 shows bona fide points in the amount of REDACTED being excluded. ***Verification of bonafide discount points needed to document file. - Due Diligence Vendor-REDACTED |
Resolved-Verification of bonafide discount points received. - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| REDACTED | 305097205 | C | B | B | B | C | A | B | B | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Exception form in file to allow exception to use new guidelines and accept recert of value outside of the REDACTED days from original inspection report but within REDACTED days. Appraisal report dated is expired, however lender provided recertification value outside of the REDACTED days from original inspection report but within REDACTED days based on the following compensating factors: - Due Diligence Vendor-REDACTED |
Waived-Exception form in file to allow exception to use new guidelines and accept recert of value outside of the REDACTED days from original inspection report but within REDACTED days. Appraisal report dated is expired, however lender provided recertification value outside of the REDACTED days from original inspection report but within REDACTED days based on the following compensating factors: - Due Diligence Vendor-REDACTED |
- REDACTED per Guidelines -REDACTED FICO vs Min REDACTED FICO per Guidelines |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | ||||
| REDACTED | 305097205 | C | B | B | B | C | A | B | B | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Borrower's 2 years self employment history and ownership was verified by PTIN not employed by a 3rd party, however, lender provided guidelines exception based on the following compensating factors: page 1 Exception to allow PTIN not employed by a 3rd party confirm a 2-year employment history and ownership percentage. - Due Diligence Vendor-REDACTED |
Waived-Borrower's 2 years self employment history and ownership was verified by PTIN not employed by a 3rd party, however, lender provided guidelines exception based on the following compensating factors: page 1 Exception to allow PTIN not employed by a 3rd party confirm a 2-year employment history and ownership percentage. - Due Diligence Vendor-REDACTED |
- REDACTED per Guidelines -REDACTED FICO vs Min REDACTED FICO per Guidelines |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | ||||
| REDACTED | 305097204 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-YTD P&L through REDACTED and REDACTED months bank statements received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-YTD P&L plus REDACTED months bank statements are required to support returns/REDACTED P&L. P&L in file is only through REDACTED. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-YTD P&L through REDACTED and REDACTED months bank statements received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | |||
| REDACTED | 305097204 | D | A | D | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED Resolved-Transcripts received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Borrower 1 IRS Transcripts Missing 1040 transcripts for REDACTED & REDACTED are required. (REDACTED extension is in file.) - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED Resolved-Transcripts received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Purchase | NA | N/A | N/A | |||
| REDACTED | 305182270 | C | A | C | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Updated bank statement received, dated prior to note date, verifying cash to close and reserves received. - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. REDACTED account – see attached. Balance $REDACTED Cash to close $REDACTED Reserves $REDACTED Total Needed $REDACTED - Seller-REDACTED Open-VERIFIED REDACTED WITH REDACTED FUNDS FOR CLOSING=$REDACTED SHORT FUNDS TO CLOSE - REDACTED PLUS REDACTED MONTHS RESERVES UNABLE TO BE VERIFIED - Due Diligence Vendor-0REDACTED |
Ready for Review-Document Uploaded. REDACTED account – see attached. Balance $REDACTED Cash to close $REDACTED Reserves $REDACTED Total Needed $REDACTED - Seller-REDACTED |
Resolved-Updated bank statement received, dated prior to note date, verifying cash to close and reserves received. - Due Diligence Vendor-REDACTED |
REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||
| REDACTED | 305182503 | C | A | C | A | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Final title confirming no liens/judgments received - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Either the final title opinion verifying no judgments are against the property or the Affidavit verifying judgments are not the borrowers' judgments required at closing by title company needed for file documentation. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Resolved-Final title confirming no liens/judgments received - Due Diligence Vendor-REDACTED |
REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |