|
Customer Loan ID
|
Seller Loan ID
|
Loan Exception ID
|
Deal Num
|
Investor Loan Number
|
Deal Name
|
Exception ID
|
Last Name
|
Purpose
|
Occupancy
|
Note Date
|
State
|
Original Loan Amount
|
Loan Status
|
Exception Date
|
Exception Type
|
Exception Subcategory
|
Exception Status
|
Exception Status Change Date
|
Exception Grade
|
Exception
|
Exception Information
|
Exception Rebuttal
|
Exception Rebuttal Date
|
Compensating Factors
|
Statute of Limitation Date
|
Assigned To
|
Comments
|
|
5300500010
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6529
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/05/2024
|
Compliance
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
12/31/2024
|
2
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
page XXX of the CD indicates there is an escrow account even though its a 2nd lien and neither section of pg XXX of the CD regarding
escrowed or non escrowed items is complete
|
; ; Documentation received, XXX to review.; Document Uploaded. PCCD
|
Closed
|
PCCD and LOE provided; Exception cured
|
|||
|
5300500012
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1148
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/09/2024
|
Credit
|
Title Coverage is Less than Subject Lien
|
Resolved
|
12/16/2024
|
1
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
; Documentation received, XXX to review.; Document Uploaded.
|
Closed
|
Seller provided updated title policy with policy amount of $XXX. Exception resolved.; Title Coverage Amount of XXX is equal to or greater
than Total Amount of Subject Lien XXX
|
|||
|
5300500012
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6928
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/09/2024
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
01/09/2025
|
2
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Page XXX of the CD indicates the loan has escrows with XXX per month even though it is a 2nd lien, Page XXX of the CD is not completed as
required indicating costs over a year either escrowed or non escrowed.
|
; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Documentation received, XXX to review.; Document Uploaded.
|
Closed
|
Cure package provided to borrower; exception downgraded to a 2/B; The PCCD provided does not contain the estimated property costs over XXX
year and the reason for not having an escrow account was not checked
|
|||
|
5300500012
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/09/2024
|
Compliance
|
Charges That Cannot Increase Test
|
Resolved
|
12/21/2024
|
1
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the appraisal fee without a valid COC. The COC does not give a reason for the increase in the cost of the appraisal 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is
$XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
Documentation received, XXX to review.; Document Uploaded.
|
Closed
|
Valid COC provided; Exception resolved; Valid COC provided; Exception resolved
|
|||
|
5300500014
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1195
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/27/2024
|
Credit
|
Audited CLTV Exceeds Guideline CLTV
|
Resolved
|
01/07/2025
|
1
|
Audited CLTV Exceeds Guideline CLTV
|
Audited CLTV of XX.XX% exceeds Guideline CLTV of 80% Audited CLTV/HCLTV of XX.XX% Lender used appraised value of XXX that is the indicated
value by sales comparison approach, appraisal provided reflects an as is value of XXX
|
; ; ; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.;
|
Closed
|
Exception Resolved; Appraisal provided.; Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of 80%;
|
|||
|
5300500014
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FPRO0947
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/30/2024
|
Property
|
External Obsolescence Present
|
Resolved
|
01/07/2025
|
1
|
External Obsolescence Present
|
External obsolescence present. Appraisal identifies external obsolescence noting the subject site is near power lines with no affect on
value or marketability, therefore, no adjustment applied and considered neutral.
|
; ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Exception Resolved.; External obsolescence meets guidelines.;
|
|||
|
5300500014
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1196
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
12/27/2024
|
Credit
|
Audited HCLTV Exceeds Guideline HCLTV
|
Resolved
|
01/07/2025
|
1
|
Audited HCLTV Exceeds Guideline HCLTV
|
Audited HLTV of XX.XX% exceeds Guideline HCLTV of 80% Audited CLTV/HCLTV of XX.XX% Lender used appraised value of XXX that is the
indicated value by sales comparison approach, appraisal provided reflects an as is value of XXX
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Audited HLTV of XX.XX% is less than or equal to Guideline HCLTV of 80%; Exception Resolved; Appraisal provided.;
|
|||
|
5300500016
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
01/23/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
02/03/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to the addition of an
Appraisal fee XXX on CD XX/XX/XXXX without a valid COC. COC in file is non-specific as to reasoning for adding the fee on the Initial CD. However, the Appraisal fee was issued per the XXX dated XX/XX/XXXX.
|
; ; Documentation received, XXX to review.; Document Uploaded. pccd docs with copy of cure check and XXX tracking, package will be
delivered to bwr XX/XX/XXXX.;
|
Closed
|
Cure package provided to borrower; Exception downgraded to a 2/B
|
|||
|
5300500016
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FVAL2242
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
01/24/2025
|
Property
|
Property is Manufactured Housing
|
Resolved
|
01/30/2025
|
1
|
Property is Manufactured Housing
|
Initial and Final 1003 section XX/XX/XXXX States the subject property is a manufactured home that is listed as Ineligible Property per
guidelines. The XXX appraisal provided in the file States the subject property is a Single Family Home PUD.
|
; ; ; Documentation received, XXX to review.; Document Uploaded. revised 1003 page XXX upld;
|
Closed
|
Seller provided updated Final 1003. Exception resolved.
|
|||
|
5300500018
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500020
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500022
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1621
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
03/20/2025
|
Compliance
|
Missing Initial Escrow Disclosure
|
Resolved
|
04/02/2025
|
1
|
Missing Initial Escrow Disclosure
|
Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is incomplete. Page XXX of the CD indicates that taxes and
insurance will be escrowed however no amounts are listed for the escrow. Page XXX shows the borrower will have an escrow account but the amounts are not completed.
|
; Documentation received, XXX to review; Document Uploaded. ; ;
|
Closed
|
Initial Escrow Account Disclosure is Resolved; Initial Escrow Account Disclosure is not required; Exception resolved
|
|||
|
5300500022
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6529
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
03/21/2025
|
Compliance
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
04/02/2025
|
2
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Page XXX shows the borrower has an escrow account set up but the fields are incomplete. A corrected CD and LOE need to be provided with
the correct sections filled out on page XXX and XXX
|
; Documentation received, XXX to review; Document Uploaded. ;
|
Closed
|
Cure package with corrected PCCD provided to borrower; Exception downgraded
|
|||
|
5300500022
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
03/20/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
03/28/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500024
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
03/27/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
04/03/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing The ABA is missing from the loan file.
|
; Documentation received, XXX to review.; Document Uploaded. ; ; ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500026
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1254
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/03/2025
|
Credit
|
Property Title Issue
|
Resolved
|
04/04/2025
|
1
|
Property Title Issue
|
Property Title Issue Missing proof of closure of the HELOC with XXX that was paid at close
|
; ;
|
Closed
|
Property Title Issue Resolved; Property Title Issue Resolved; HELOC payoff and close Statement provided. Finding is resolved.
|
|||
|
5300500026
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1364
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/02/2025
|
Credit
|
Borrower 2 Executed 4506-T Missing
|
Resolved
|
04/15/2025
|
1
|
Borrower 2 Executed 4506-T Missing
|
Borrower 2 Executed 4506-T Missing 4506C missing for Borrower 2
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX)
|
|||
|
5300500028
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE7009
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/09/2025
|
Credit
|
Hazard insurance dwelling coverage is not sufficient
|
Resolved
|
04/16/2025
|
1
|
Hazard insurance dwelling coverage is not sufficient
|
Hazard Insurance coverage of XXX is less than required coverage required Proof of hazard insurance with coverage equal to XXX% of the
insurable value is required per FNMA Selling Guide. Coverage equal to the loan amount is acceptable if the loan amount is more than or equal to XXX% of the insurable value. Please provide the replacement cost estimator (RCE), evidence the
policy has guaranteed or XXX% replacement cost coverage.
|
; ; Documents uploaded for review.; Document Uploaded. ;
|
Closed
|
Hazard Insurance coverage meets guideline requirement
|
|||
|
5300500030
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/20/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Resolved
|
04/30/2025
|
1
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to
support the following fee increase: -The Attorney Fee for XXX was added on the revised LE dated XX/XX/XXXX. Additionally, the Credit Report fee increased from XXX to XXX and the Recording fee increased from XXX to XXX on the final CD, dated
XX/XX/XXXX. The lender provided a tolerance cure of XXX of which XXX was applied towards the Credit report increase, and the remaining XXX was applied towards the Recording fee increase. However, the total tolerance cure was insufficient to
cover the addition of the Attorney fee of XXX The file does not contain a valid COC for the addition of this fee.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ; Condition updated XXX; ; Document Uploaded. Documentation received, XXX
to review.; PCCD uploaded;
|
Closed
|
Valid COC provided; exception resolved; Updated cure amount to $XXX. Cure on PCCD of XXX was applied to XXX to the credit report and XXX
was applied to the addition of the attorney fee without a valid COC
|
|||
|
5300500030
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3635
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/20/2025
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
Resolved
|
04/28/2025
|
1
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more
than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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). TILA 130b Cure required. Refund
in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: -The Recording fee
increased from XXX to XXX on the final CD, dated XX/XX/XXXX. Additionally, the Credit Report fee increased from XXX to XXX on the final CD, dated XX/XX/XXXX, and an Attorney Fee for XXX was added on the revised LE, dated XX/XX/XXXX.. The
lender provided a tolerance cure of XXX of which XXX was applied towards the Credit report increase, and the remaining XXX was applied towards the Recording fee increase. However, the total tolerance cure was insufficient to cover the
increase of the recording fee, and therefore, an additional cure of XXX towards the Recording fee is required. The file does not contain a valid COC for the increase of this fee.
|
; Documentation received, XXX to review; Document Uploaded. ; ;
|
Closed
|
PCCD with settlement Statement provided; Exception resolved; PCCD with settlement Statement provided; Exception resolved
|
|||
|
5300500032
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/22/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
04/28/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500032
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE2994
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/22/2025
|
Credit
|
DTI (Back) Ratio does not meet eligibility requirement(s)
|
Resolved
|
04/23/2025
|
1
|
DTI (Back) Ratio does not meet eligibility requirement(s)
|
Lender's front end DTI of XXX% and back end DTI of XXX% exceed audit calculations of XXX% and XXX% because the lender included taxes and
insurance twice when calculating the first mortgage monthly PITIA. The mortgage Statement in the loan file confirms the first mortgage payment of XXX includes taxes and insurance of $XXX.
|
;
|
Closed
|
DTI is within guideline requirement. Finding is resolved.
|
|||
|
5300500034
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500036
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/29/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
05/11/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid
COC. The XXX% tolerance violation in the amount of XXX is due to the addition of a Flood Certification fee on LE XX/XX/XXXX and the increase of the Title - Closing Coordination fee without a COC to validate. The title - Closing Coordination
fee was indicated as non shoppable on the initial LE therefore it is included in the XXX% tolerance category 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase
for a comparison of the data between the provided disclosures n 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).
|
; ; ; Documentation received, XXX to review. ; See upload; ;
|
Closed
|
cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B; 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) ne or more of the final charges exceed the comparable amount. Your total tolerance
violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).; 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
|||
|
5300500036
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3635
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/29/2025
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
Cured
|
05/11/2025
|
2
|
Charges That In Total Cannot Increase More Than 10% Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The lender's title insurance increased without a valid COC This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table
that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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).
|
; ; ; ; Documentation received, XXX to review ; Document Uploaded. ; ; ;
|
Closed
|
cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B
|
|||
|
5300500036
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1254
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/29/2025
|
Credit
|
Property Title Issue
|
Resolved
|
05/02/2025
|
1
|
Property Title Issue
|
Property Title Issue Item XXX of the short form policy reflects a UCC financing Statement dated XX/XX/XXXX with XXX. No documentation was
provided to confirm this lien has been released or subordinated.
|
; ; Documentation received, XXX to review.; Document Uploaded. See uploads; ;
|
Closed
|
Received title endorsement in trailing documents to confirm that the solar lease UCC does not take precedence over refinance transactions,
option available in XXX ; Property Title Issue Resolved
|
|||
|
5300500036
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1227
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/29/2025
|
Credit
|
PUD Rider is Missing
|
Resolved
|
05/20/2025
|
1
|
PUD Rider is Missing
|
PUD Rider is Missing AVM, Title, and HOA docs identify the subject property as PUD. PUD rider is missing.
|
; ; Document Uploaded. ; Documentation received, XXX to review.;
|
Closed
|
PUD Rider received ; The PUD Rider is Present or is Not Applicable (Property Type is PUD)
|
|||
|
5300500038
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/29/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
05/05/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of a
Flood Certification fee on LE XX/XX/XXXX without a COC to validate.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500040
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-651
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
04/30/2025
|
Compliance
|
TILA Finance Charge Test
|
Resolved
|
05/08/2025
|
1
|
TILA Finance Charge Test
|
This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not
considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, re-open rescission and Proof of Delivery. The lender excluded the
settlement fee or closing fee of XXX as a finance charge.
|
; Documentation received, XXX to review.; Document Uploaded. See all uploads;
|
Closed
|
PCCD and settlement Statement confirm the fee was for a notary charge; Exception resolved; PCCD and settlement Statement confirm the fee
was for a notary charge; Exception resolved
|
|||
|
5300500040
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6928
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/01/2025
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
05/08/2025
|
2
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Page XXX of the Final CD Non-Escrowed property does not contain the Estimated Property Costs over Year XXX Cure required PCCD and LOE.
|
; ; Documentation received, XXX to review.; Document Uploaded. See LOE and uploads;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500042
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500044
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/05/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/08/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The Ecosent in file does not show the borrower consented
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500046
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500048
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1274
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/07/2025
|
Compliance
|
Escrow Waiver is Missing
|
Resolved
|
05/14/2025
|
1
|
Escrow Waiver is Missing
|
Escrow Waiver is Missing Loan approval docs State the first lien is impounded for taxes and insurance. Initial Escrow Disclosure Statement
in file States second lien is impounded for taxes and insurance.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Escrow Waiver is Present or Not Applicable
|
|||
|
5300500048
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6529
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/07/2025
|
Compliance
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
05/12/2025
|
2
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Page XXX and Page XXX of the Final CD indicate there is an escrow account even though the subject lien is a 2nd lien.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500050
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1253
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/07/2025
|
Credit
|
Missing Property Tax Cert
|
Resolved
|
05/13/2025
|
1
|
Missing Property Tax Cert
|
Missing Property Tax Cert Per the XXX the Lender indicates the property taxes for the subject are XXX per month. The title commitment and
tax information sheet do not provide any confirmation of property taxes.
|
; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Tax cert provided, exception resolved ; Property Tax Cert Provided
|
|||
|
5300500050
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1227
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/08/2025
|
Credit
|
PUD Rider is Missing
|
Resolved
|
05/15/2025
|
1
|
PUD Rider is Missing
|
PUD Rider is Missing Documentation in file reflects the subject property is a PUD with monthly HOA fees, but PUD rider was not provided.
|
; ; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Received post closing certification that the subject property is not a PUD despite small monthly HOA. Third party website confirms not a
PUD ; The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached)
|
|||
|
5300500052
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3635
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/08/2025
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
Cured
|
05/20/2025
|
2
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more
than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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). TILA 130 Cure Required. Refund
in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee. The loan file did not contained a
COC dated XX/XX/XXXX located on page XXX; however the COC was not accepted due to insufficient information.
|
; ; Document Uploaded. ; Documentation received, XXX to review.;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500052
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/08/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
05/20/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of
Appraisal Fee, Credit Report Fee, and Transfer Taxes on the Initial CD dated XX/XX/XXXX without a valid COC in file. The file contained a COC dated XX/XX/XXXX; however was not accepted due to insufficient information for additional fees.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500054
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/09/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Resolved
|
05/15/2025
|
1
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from
XXX to XXX for the Loan Discount points on the initial CD dated XX/XX/XXXX.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Valid COC provided, exception resolved; Valid COC provided, exception resolved
|
|||
|
5300500054
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FVAL9739
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/12/2025
|
Property
|
Property/Appraisal General
|
Waived
|
05/19/2025
|
2
|
Property/Appraisal General
|
Property/Appraisal guideline violation: The appraisal identifies the Property Values in the subject's market as "declining" which is
ineligible per XXX CES Program Eligibility Guide v12.
|
; In review for exception. ; ;
|
Closed
|
Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose:
Comp Factors: XXX) XXX FICO (min XXX required) XXX) 66% CLTV (max XXX% XXX) XXX years in subject - borrower has XXX years on job.
|
|||
|
5300500054
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1148
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/09/2025
|
Credit
|
Title Coverage is Less than Subject Lien
|
Resolved
|
05/16/2025
|
1
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of
Subject Lien XXX
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
|
|||
|
5300500054
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/09/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/14/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The XXX documents in file show the econsent is pending
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500056
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/09/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
05/22/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from
XXX to XXX for the credit report increase on CD date XX/XX/XXXX. COC located in file on page XXX not accepted due to insufficient information and there was a cure for XXX which was not enough to resolve the exception. An additional cure of
XXX is required
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B
|
|||
|
5300500056
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1227
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/12/2025
|
Credit
|
PUD Rider is Missing
|
Resolved
|
06/23/2025
|
1
|
PUD Rider is Missing
|
PUD Rider is Missing The AVM identifies the subject property to be a PUD. No PUD rider included with DOT.
|
; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded.
|
Closed
|
The PUD Rider is Present or is Not Applicable (Property Type is PUD); ;
|
|||
|
5300500056
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3635
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/09/2025
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
Cured
|
05/22/2025
|
2
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more
than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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). TILA 130b Cure Required. Refund
in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee.
|
; ; Document Uploaded. Documentation received, XXX to review.;
|
Closed
|
Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B
|
|||
|
5300500058
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/12/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/14/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The XXX documentation indicates the electronic consent is pending
|
; Documentation received, XXX to review.; Document Uploaded. upld proof esign consent accepted;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500058
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6529
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/12/2025
|
Compliance
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
05/20/2025
|
2
|
Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Page XXX of the Final CD Estimated Taxes, Insurance & Assessments is incomplete, and Page XXX of the Final CD Non-Escrowed property
does not contain the Estimated Property Costs over Year XXX Cure required PCCD and LOE.
|
; Documentation received, XXX to review.; Document Uploaded. pccd docs upld;
|
Closed
|
Cure package provided; exception downgraded to a 2/B
|
|||
|
5300500060
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1295
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Credit
|
Income 4 Months Income Verified is Missing
|
Resolved
|
05/19/2025
|
1
|
Income 4 Months Income Verified is Missing
|
Income 4 Months Income Verified is Missing Please provide documentation verifying the Co-Borrower’s Social Security income used in
qualification for the subject loan.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
SSI retire documentation provided ; Income 4 Months Income Verified is Present Or Not Applicable
|
|||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1437
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Resolved
|
05/19/2025
|
1
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Missing required income documentation to support B1 and B2 SSI retirement income
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
SSI retire documentation provided ; Income and Employment Meet Guidelines
|
|||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1497
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Credit
|
ATR: Reasonable Income or Assets Not Considered
|
Resolved
|
05/19/2025
|
1
|
ATR: Reasonable Income or Assets Not Considered
|
ATR: Reasonable Income or Assets Not Considered Missing Social Security award letter for B1 and B2.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
SSI retire documentation provided ; ATR: Reasonable Income or Assets Was Considered; ATR: Reasonable Income or Assets Not Considered
|
|||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1293
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Credit
|
Income 2 Months Income Verified is Missing
|
Resolved
|
05/19/2025
|
1
|
Income 2 Months Income Verified is Missing
|
Income 2 Months Income Verified is Missing Please provide documentation verifying the Borrower’s Social Security income used in
qualification for the subject loan.
|
; ; Document Uploaded. ; Documentation received, XXX to review.;
|
Closed
|
SSI retire documentation provided ; Income 2 Months Income Verified is Present Or Not Applicable
|
|||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/19/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The earliest electronic signature in file is dated XX/XX/XXXX, while the only evidence of
e-consent is dated XX/XX/XXXX (pg. XXX).
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500062
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/15/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
05/19/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500064
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500066
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500068
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/20/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/23/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The XXX documents in file indicate the consent is still pending
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500070
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/21/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/03/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due the addition of the appraisal fee on the initial CD. The file contained a XXX and AVM that shows a cost was determined more than XXX days prior to the disclosure of the fee.
Cure required 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) ne or more of the final charges exceed the
comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; ; Document Uploaded. ;
|
Closed
|
Cure package provided to borrower; exception downgraded to a 2/B
|
|||
|
5300500070
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1254
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/21/2025
|
Credit
|
Property Title Issue
|
Resolved
|
05/27/2025
|
1
|
Property Title Issue
|
Property Title Issue Missing proof of HELOC closure with XXX.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Authorization to close provided in trailing documents ; Property Title Issue Resolved
|
|||
|
5300500070
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1148
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/20/2025
|
Credit
|
Title Coverage is Less than Subject Lien
|
Resolved
|
05/27/2025
|
1
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The proposed amount of insurance on the title commitment of XXX
is less than the subject loan amount of XXX Please provide a revised title commitment with sufficient coverage.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Confirmation provided that coverage is sufficient for transaction type; Title Coverage Amount of XXX is equal to or greater than Total
Amount of Subject Lien XXX
|
|||
|
5300500072
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/22/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/04/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The COC in file dated XX/XX/XXXX indicates appraisal fees updated to match XXX, however the XXX was dated XX/XX/XXXX and the increase to the fee would have determined at the time of order. The increase was not disclosed timely.
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) ne or more of the final charges exceed the comparable amount.
Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. pccd docs upld;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500072
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM2675
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/22/2025
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year 1 calculation is inaccurate
|
Cured
|
06/04/2025
|
2
|
Final CD: Non-Escrowed Property Costs over Year 1 calculation is inaccurate
|
The CD in file is missing an amount for property costs over a year. Cure requires: PCCD & LOE
|
; Document Uploaded. pccd docs upld; Documentation received, XXX to review.;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500074
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500076
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/22/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
05/29/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The XXX document listed the electronic consent as pending
|
; Documentation received, XXX to review.; Document Uploaded. E consent ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500078
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/27/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
06/04/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature
dated on or before XX/XX/XXXX.
|
; Document Uploaded. ; Documentation received, XXX to review.; ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500078
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3526
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/27/2025
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Resolved
|
06/04/2025
|
1
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person"
and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays)
before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not
provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures
required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. Provide documentation to show the revised LE was received by the borrower at least XXX days prior to consummation
|
; Documentation received, XXX to review.; Document Uploaded. ; Condition updated XXX; Documentation received, XXX to review.; Document
Uploaded. ; ;
|
Closed
|
Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved; The receipt date was provided
for the CD dated XX/XX/XXXX, however the LE dated XX/XX/XXXX is the LE missing a receipt date. The final revised LE must be received at least XXX days prior to consummation.
|
|||
|
5300500080
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/28/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
06/02/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature
dated on or before XX/XX/XXXX.
|
; Documentation received, XXX to review.; Document Uploaded. econsent;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500082
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Second Home
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
05/29/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
06/03/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature
dated on or before XX/XX/XXXX.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500084
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/02/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/11/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due title endorsement fee added on the final CD without a valid COC. All title services were listed in section B on the LE. The inclusion of the fee within Section C of the LE
provided to the consumer will be the primary basis for determining whether the consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted
to shop for these services or other title services particularly when such services are listed in Section B of the LE ("Services you CANNOT shop for") 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500086
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500088
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/05/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/21/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The Title Endorsement fee was added to the initial CD without a valid COC. The fee is tested under XXX% tolerance due to the fees on the LE listing title services as on shoppable. The inclusion of the fee within Section C of the LE
provided to the consumer will be the primary basis for determining whether the consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted
to shop for these services or other title services particularly when such services are listed in Section B of the LE ("Services you CANNOT shop for"). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; Condition updated XXX ; ; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.; Condition updated XXX;
Document Uploaded. ; Documentation received, XXX to review.;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B; ; Document Uploaded. ; COC does not provide a reason for the change.
The LE indicated the borrower was not provided an option to shop. Per SFA guidance: The inclusion of the fee within Section C of the LE provided to the consumer will be the primary basis for determining whether the consumer was permitted to
shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted to shop for these services or other title services particularly when such services are listed in Section B
of the LE ("Services you CANNOT shop for"). Cure required; Document not received, please re-upload.; The COC is not valid. The LE indicated the borrower was not provided an option to shop. Per SFA guidance: The inclusion of the fee within
Section C of the LE provided to the consumer will be the primary basis for determining whether the consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the
consumer was permitted to shop for these services or other title services particularly when such services are listed in Section B of the LE ("Services you CANNOT shop for").
|
|||
|
5300500088
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1220
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/04/2025
|
Credit
|
The Deed of Trust is Missing
|
Resolved
|
06/06/2025
|
1
|
The Deed of Trust is Missing
|
The Deed of Trust is Missing
|
; ; ; ;
|
Closed
|
The Deed of Trust is Present
|
|||
|
5300500090
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/04/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/23/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance violation in the amount of XXX is due to the addition of the
XXX Appraisal Fee on CD XX/XX/XXXX and increase in Title - Insurance. The COC provided on page XXX does not provide sufficient reason or information and the Title fees were listed in the non shoppable section of the initial LE therefore
tested as part of XXX% tolerance
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ; ; Only received copy of check, need LOX, PCCD and
tracking. ; Documentation received, XXX to review ; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B; No attachemnt provided. Please provide documents for review.
|
|||
|
5300500092
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500094
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/06/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/18/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from
XXX to XXX for the transfer taxes. Although there is a COC provided on page XXX dated XX/XX/XXXX, it is not a valid reason for increase to transfer tax. Providing evidence showing a valid reason for the change may cure the violation.
|
; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. PCCD with cure; ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500096
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1145
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/06/2025
|
Credit
|
Title Document Missing
|
Resolved
|
06/12/2025
|
1
|
Title Document Missing
|
Title Document is missing
|
; Document Uploaded. ; Condition updated XXX ; Documentation received, XXX to review.; Document Uploaded. Final Title Policy not yet
available ; ;
|
Closed
|
Title Document is fully Present; Title Commitment provided to clear condition. ; Certification was provided in original package. Please
provide one of the following acceptable documents XXX Policy or Full Title Policy ; Loan file contains a Title Certification, but is missing the Title Commitment or Final Policy.
|
|||
|
5300500098
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/11/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/20/2025
|
2
|
Charges That Cannot Increase Test
|
ILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due the addition of the Title - endorsement. The inclusion of the fee within Section C of the LE provided to the consumer will be the primary basis for determining whether the
consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted to shop for these services or other title services particularly when such
services are listed in Section B of the LE ("Services you CANNOT shop for"). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n 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).
|
; ; ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Please re-upload documents for review.
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE3798
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/13/2025
|
Credit
|
Product Type does not meet eligibility requirement(s)
|
Resolved
|
07/09/2025
|
1
|
Product Type does not meet eligibility requirement(s)
|
Interest type is Simple Interest, which is an ineligible product type per guidelines. The Note will need to be recalculated using
Actuarial Interest, the DOT will need to be re-executed without the Simple Interest Rider, and the Final CD will need to be reissued reflecting the updated P&I amount.
|
; Documentation received, XXX to review.; Document Uploaded. PCCD; ; Document Uploaded. Documentation received, XXX to review.;
|
Closed
|
; ; Updated note and DOT received. Please provide updated Final CD
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1158
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/12/2025
|
Credit
|
Hazard Insurance Policy is Partial
|
Resolved
|
07/02/2025
|
1
|
Hazard Insurance Policy is Partial
|
Hazard Insurance Policy Partially Provided Hazard insurance policy provided does not reflect annual premium amount. Provide hazard
insurance policy verifying premium amount.
|
; ; ; ; Documentation received, XXX to review.; Document Uploaded. Hazard premium;
|
Closed
|
updated Hazard policy with XXX provided ; Hazard Insurance Policy is fully present
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1437
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/12/2025
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Resolved
|
07/03/2025
|
1
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Missing paystubs or WVOE confirming income used by lender. File only contains XXX & XXX
W2s.
|
; Documentation received, XXX to review.; Document Uploaded. WVOE; ; ;
|
Closed
|
Income and Employment Meet Guidelines
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1330
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/12/2025
|
Credit
|
Borrower 1 Paystubs Missing
|
Resolved
|
07/03/2025
|
1
|
Borrower 1 Paystubs Missing
|
Borrower 1 Paystubs Missing Missing paystubs or WVOE confirming income used by lender. File only contains XXX & XXX W2s.
|
; ; Documentation received, XXX to review.; Document Uploaded. WVOE; ; ;
|
Closed
|
Borrower 1 Paystubs Provided
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1497
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/13/2025
|
Credit
|
ATR: Reasonable Income or Assets Not Considered
|
Resolved
|
07/03/2025
|
1
|
ATR: Reasonable Income or Assets Not Considered
|
ATR: Reasonable Income or Assets Not Considered Missing paystubs or WVOE confirming income used by lender. File only contains XXX &
XXX W2s.
|
; Documentation received, XXX to review.; Document Uploaded. WVOE;
|
Closed
|
ATR: Reasonable Income or Assets Was Considered
|
|||
|
5300500100
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/13/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
06/20/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing.
|
; ; ; Documentation received, XXX to review.; Document Uploaded. econsent;
|
Closed
|
Evidence of eConsent is provided.; No attachment provided, please resend.; No attachment provided, please resend.
|
|||
|
5300500102
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/19/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
06/30/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due the increase in Title insurance and addition of Title Exam. Title fees were listed as non shoppable on the initial LE. The inclusion of the fee within Section C of the LE
provided to the consumer will be the primary basis for determining whether the consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted
to shop for these services or other title services particularly when such services are listed in Section B of the LE ("Services you CANNOT shop for") 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500104
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/19/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
07/02/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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).
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of XXX cure package
requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due the addition of the appraisal fee on the revised LE without a valid COC. The COC in file does not give a
valid reason for the appraisal fee to be added
|
|||
|
5300500104
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1204
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/18/2025
|
Credit
|
Fraud Report Shows Uncleared Alerts
|
Resolved
|
06/25/2025
|
1
|
Fraud Report Shows Uncleared Alerts
|
Fraud Report Shows Uncleared Alerts Seller provided Fraud Driver report dated XX/XX/XXXX reflects open alerts for loan participants.
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Updated Drive report provided, all alerts cleared ; All Fraud Report Alerts have been cleared or None Exist
|
|||
|
5300500106
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/23/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
07/09/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The Title Closing fee increased to XXX without a valid COC. All title fees were listed in section B of the LE. The inclusion of the fee within Section C of the LE provided to the consumer will be the primary basis for determining
whether the consumer was permitted to shop. Presence of an SSPL listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted to shop for these services or other title services particularly when
such services are listed in Section B of the LE ("Services you CANNOT shop for"). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n 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).
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500108
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/25/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
07/14/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in appraisal fee without a valid COC, the XXX shows the order date of XX/XX/XXXX but the increase wasnt disclosed until XX/XX/XXXX. In addition the Title
Closing coordination fee was increased by XXX The fee is considered part of the XXX% tolerance since it was listed in the non shoppable section of the LE 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; Documentation received, XXX to review. ; Document Uploaded. Cure Docs;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500110
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1208
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/26/2025
|
Credit
|
The Note is Incomplete
|
Resolved
|
07/17/2025
|
1
|
The Note is Incomplete
|
The Note is Incomplete Interest type is simple interest, which is an ineligible product type per guidelines. The Note will need to be
recalculated using Actuarial Interest, the DOT will need to be re-executed without Simple Interest Rider, and the Final CD will need to be reissued reflecting the updated P&I amount.
|
; ;
|
Closed
|
Updated DOT and note provided ; The Note is Present
|
|||
|
5300500110
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1221
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/26/2025
|
Credit
|
The Deed of Trust is Incomplete
|
Resolved
|
07/17/2025
|
1
|
The Deed of Trust is Incomplete
|
The Deed of Trust is Incomplete Interest type is simple interest, which is an ineligible product type per guidelines. The Note will need
to be recalculated using Actuarial Interest, the DOT will need to be re-executed without Simple Interest Rider, and the Final CD will need to be reissued reflecting the updated P&I amount.
|
; ; ; ; ; ; Deed uploaded for review.; ; ;
|
Closed
|
Updated DOT and note provided ; The Deed of Trust is Present and Complete
|
|||
|
5300500110
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM7339
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/01/2025
|
Compliance
|
Final CD: Monthly Principal & Interest is missing or inaccurate
|
Cured
|
07/16/2025
|
2
|
Final CD: Monthly Principal & Interest is missing or inaccurate
|
Interest type is Simple Interest, which is an ineligible product type per guidelines. Final CD will need to be reissued reflecting the
updated P&I amount after the Note is recalculated using Actuarial Interest.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500112
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
06/26/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
07/03/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500114
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500116
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/01/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
07/09/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Documentation Required: Required Affiliated Business Disclosure is missing from file
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500116
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM2675
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/01/2025
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year 1 calculation is inaccurate
|
Cured
|
07/27/2025
|
2
|
Final CD: Non-Escrowed Property Costs over Year 1 calculation is inaccurate
|
The Final CD did contain an amount for non escrowed property costs over a year; Cure package requires PCCD & LOE
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; Exception downgraded to a 2/B
|
|||
|
5300500118
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE6763
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/03/2025
|
Credit
|
Income documentation does not meet guidelines
|
Resolved
|
07/11/2025
|
1
|
Income documentation does not meet guidelines
|
Missing the XXX form XXX Tax return filing extension
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Extension request received
|
|||
|
5300500120
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/03/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
07/18/2025
|
2
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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).
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure required. Refund in the amount of XXX cure requires a
valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: -An Appraisal fee of XXX was added to the initial CD
dated XX/XX/XXXX. The file contains a COC dated XX/XX/XXXX, which reflected ""Clerical-Appraisal fee added." This reason is not considered to be a valid reason for the addition of this fee.
|
|||
|
5300500120
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/03/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
07/13/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The earliest electronic signature in file is dated XX/XX/XXXX, while the only evidence of
e-consent indicates that Electronic Consent was pending (pg. XXX).
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500120
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1364
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/08/2025
|
Credit
|
Borrower 2 Executed 4506-T Missing
|
Resolved
|
07/15/2025
|
1
|
Borrower 2 Executed 4506-T Missing
|
Borrower 2 Executed 4506-T Missing
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX)
|
|||
|
5300500122
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/09/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Cured
|
07/23/2025
|
2
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due the addition of the Title - Closing protection letter and Title recording service fee. The LEs indicate the title services are not shoppable therefore subject to XXX%
tolerance 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) ne or more of the final charges exceed the
comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500122
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FPRO9990
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/08/2025
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Resolved
|
07/24/2025
|
1
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Not required per lender guidelines
|
Closed
|
Third party valuation product provided within tolerance.; Not Valid
|
||||
|
5300500122
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/08/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
07/15/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The XXX document in file indicates e consent is still pending
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500122
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM6928
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/09/2025
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
Cured
|
07/23/2025
|
2
|
Final CD: Non-Escrowed Property Costs over Year 1 description is missing or inaccurate
|
The estimated property costs over XXX year is blank, cure requires PCCD and LOE
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
|||
|
5300500124
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM9186
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/09/2025
|
Compliance
|
eSigned Documents Consent is Missing
|
Resolved
|
07/15/2025
|
1
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The 1st esigned doc in the file is dated XX/XX/XXXX; please provide econsent dated before
XX/XX/XXXX.
|
; Documentation received, XXX to review.; Document Uploaded. ; ;
|
Closed
|
Evidence of eConsent is provided.
|
|||
|
5300500126
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3532
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/17/2025
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
Resolved
|
07/21/2025
|
1
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he
initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less
than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the
initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public
holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no
later than three business days before consummation. The initial CD was issued XX/XX/XXXX but was not viewed or acknowledged by the borrower on XX/XX/XXXX which is less than XXX days prior to consummation.
|
; Document Uploaded. signing time rebuttal from our loan support team upld; Documentation received, XXX to review.;
|
Closed
|
Confirmation of initial CD receipt date provided; Exception resolved
|
|||
|
5300500126
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3652
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/17/2025
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
Resolved
|
07/21/2025
|
1
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Lender credit decreased from XXX to $XXX. The COC is iXXXalid due to the initial CD not being received by the borrower at least XXX days prior to
consummation
|
; ; Document Uploaded. trid rebuttal upld; Documentation received, XXX to review.;
|
Closed
|
Confirmation of initial CD receipt date provided; Exception resolved
|
|||
|
5300500128
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE3978
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
07/21/2025
|
Credit
|
Missing Letter of Explanation (Credit)
|
Resolved
|
07/22/2025
|
1
|
Missing Letter of Explanation (Credit)
|
Missing letter of explanation for inquiry within XXX days of note date. Borrower has one credit inquiry dated XX/XX/XXXX.
|
;
|
Closed
|
Document Uploaded. The lender provided the credit inquiry letter
|
|||
|
5300500130
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500132
|
XXXXX
|
XXX
|
XXXXX
|
XXX
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
||||||||||||||||
|
5300500134
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1208
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/15/2025
|
Credit
|
The Note is Incomplete
|
Resolved
|
11/23/2025
|
1
|
The Note is Incomplete
|
The Note is Incomplete The Note is calculated using Simple Interest, which is an ineligible product per guidelines. The Note must be
recalculated using Actuarial Interest.
|
; ; Note received, in XXX review.; Document Uploaded. ;
|
Closed
|
The Note is Present
|
|||
|
5300500134
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1221
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/15/2025
|
Credit
|
The Deed of Trust is Incomplete
|
Resolved
|
11/23/2025
|
1
|
The Deed of Trust is Incomplete
|
The Deed of Trust is Incomplete The Deed of Trust includes a Simple Interest Rider, and Simple Interest is an ineligible product type per
guidelines. The DOT must be reissued without the Simple Interest Rider.
|
; Corrected DOT received, in XXX review.; Document Uploaded. ;
|
Closed
|
The Deed of Trust is Present and Complete
|
|||
|
5300500134
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/16/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
10/22/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business
disclosure dated within XXX business days of application XX/XX/XXXX.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500134
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM2340
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/16/2025
|
Compliance
|
CD: General Form Requirements Not Met
|
Resolved
|
11/23/2025
|
1
|
CD: General Form Requirements Not Met
|
CD: General Form Requirements Not Met Interest type is Simple Interest, which is an ineligible product type per guidelines. The Final CD
must be reissued to match the updated P&I of the recalculated Note using Actuarial Interest. LOE and PCCD will be required to cure.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
CD: General Form Requirements Met
|
|||
|
5300500136
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/29/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Resolved
|
11/14/2025
|
1
|
Charges That Cannot Increase Test
|
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from
XXX to XXX for the Rate Lock Extension.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Valid COC provided; exception resolved; Valid COC provided; exception resolved
|
|||
|
5300500138
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM1206
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/30/2025
|
Credit
|
The Note is Missing
|
Resolved
|
11/19/2025
|
1
|
The Note is Missing
|
The Note is Missing. Missing the executed Note.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
The Note is Present.
|
|||
|
5300500138
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1254
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/31/2025
|
Credit
|
Property Title Issue
|
Resolved
|
11/19/2025
|
1
|
Property Title Issue
|
Property Title Issue Missing proof that the XXX HELOC has been paid and closed to future draws.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Property Title Issue Resolved
|
|||
|
5300500140
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3634
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/30/2025
|
Compliance
|
Charges That Cannot Increase Test
|
Resolved
|
12/08/2025
|
1
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points. However, valid COC is in the file, but failing due to timing issue as initial and final CD are both dated XXX. Please
also provide most recent LE/CD post lock event. 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) ne or more of
the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n
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).
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved
|
|||
|
5300500140
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
finding-3532
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
10/30/2025
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
Resolved
|
12/08/2025
|
1
|
Initial Closing Disclosure Delivery Date Test
|
Both the initial and final CD are dated and signed on XXX. Please provide proof of initial CD delivery at least XXX business days prior to
consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method
of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public
holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all
calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and
the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.
|
; Document Uploaded. ; Documentation received, XXX to review.;
|
Closed
|
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved
|
|||
|
5300500142
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1254
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
11/07/2025
|
Credit
|
Property Title Issue
|
Resolved
|
12/11/2025
|
1
|
Property Title Issue
|
Property Title Issue Missing proof that the XXX HELOC has been paid and closed to future draws.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
Closed
|
Property Title Issue Resolved - Closure of HELOC provided.
|
|||
|
5300500144
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM5135
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
11/07/2025
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Resolved
|
11/13/2025
|
1
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application
XX/XX/XXXX. The disclosure provided on page XXX confirm affiliates weren't used but does not list who the affiliates are.
|
; Document Uploaded. ;
|
Closed
|
Required Affiliated Business Disclosure Documentation Provided
|
|||
|
5300500146
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCRE1145
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
11/06/2025
|
Credit
|
Title Document Missing
|
Resolved
|
11/18/2025
|
1
|
Title Document Missing
|
Title Document is missing File does not contain the final O & E policy. Please note the file does contain a Property Information
Report reflecting a XXX as an open lien (# XXX).
|
; Documentation received in XXX review.; Document Uploaded. ; ;
|
Closed
|
Title Document is fully Present
|
|||
|
5300500148
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FCOM3592
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
11/13/2025
|
Credit
|
Missing Taxpayer First Act Disclosure
|
Waived
|
11/20/2025
|
2
|
Missing Taxpayer First Act Disclosure
|
Taxpayer First Act Disclosure is missing. Missing for both borrowers.
|
; ; ; ;
|
Closed
|
Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this
purpose: XXX) XX.XX% CLTV (max XXX% allowed) XXX) XXX% DTI (max XXX% allowed) XXX) Job stability B1 on job XXX years and B2 XXX years XXX) Subject owned XXX years.
|
|||
|
5300500148
|
XXXXX
|
XXX
|
XXX
|
XXXXX
|
XXX
|
FVAL9739
|
XXXXX
|
Cash Out: Other/Multi purpose Unknown Purpose
|
Primary Residence
|
XX/XX/XXXX
|
XXX
|
XXXXXX
|
Loan Review Complete
|
11/13/2025
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Property
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Property/Appraisal General
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Waived
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11/20/2025
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2
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Property/Appraisal General
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Property/Appraisal guideline violation: Per XXX CES v12 guidelines, ineligible properties - Properties that have been listed for sale in
past XXX months. Property was listed on XX/XX/XXXX. There is an approved exception in the file.
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; ; ; ;
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Closed
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Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this
purpose: XXX) XX.XX% CLTV (max XXX% allowed) XXX) XXX% DTI (max XXX% allowed) XXX) Job stability B1 on job XXX years and B2 XXX years XXX) Subject owned XXX years.
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|||
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5300500148
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XXXXX
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XXX
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XXX
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XXXXX
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XXX
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FCOM9186
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XXXXX
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Cash Out: Other/Multi purpose Unknown Purpose
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Primary Residence
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XX/XX/XXXX
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XXX
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XXXXXX
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Loan Review Complete
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11/13/2025
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Compliance
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eSigned Documents Consent is Missing
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Resolved
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11/20/2025
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1
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eSigned Documents Consent is Missing
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The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX
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; Documentation received, XXX to review.; Document Uploaded. Document uploaded. ;
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Closed
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Evidence of eConsent is provided.
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