EX-99.13 14 ex99-13.htm OPUS EXCEPTION REPORT
 

CSMC 2021-RPL3 Trust ABS-15G

 

Exhibit 99.13

 

Customer Loan ID Loan Exception ID Exception ID Exception Category Exception Subcategory Exception Description Exception Comments Seller Response Reviewer Response Compensating Factors Exception Status Exception Approved Pre Origination Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade Subject to Predatory Lending HUD Category
418348331 ef7c5dcb-e613-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418348905 ea3ec43f-dbdf-4f11-9940-80d0a90ffc33 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418348905 2bd7b58a-fa3a-4849-b145-9e4e94c97606 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418348905 06a051a3-9537-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418348905 e0730fd7-3eb4-4f4e-be8a-4aee1b7b1ac5 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds Loan Late Charge Parameters Exceeds State Thresholds   Lender APR < Threshold Rate – Invalid HOEPA and High Cost Rate Test Fail and Late Charge fail.   Cleared   3 1 C A C A C A C A C A Y Final HUD used for testing
418348905 ffbdca43-db39-e511-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables and all applicable addendums.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742555 92fc7492-6e92-4f8e-bb38-a3883ea682dc 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742555 e7198929-8957-4d16-a92b-12730984b319 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742555 ed3a5d0a-eb1a-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742555 7a093b12-eb1a-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742578 bfbe5f44-c03c-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418351710 2118f41c-8180-4841-abda-1148044c24f1 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418351710 b57532f8-c6aa-e311-8ed7-d8d385e1d166 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams Invalid Fully-Indexed Rate Used for Future Payment Streams       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418351710 a18891de-01ab-e311-8ed7-d8d385e1d166 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H9) for a New Lender Refinance.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346428 11dadff9-28f1-4215-bf97-d58a0d4bcc6d 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346428 7201643e-5cbb-445d-a433-6c5006c458c4 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346428 563569a6-adab-e311-8ed7-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418920132 b1ad3e4d-0595-e311-8ed7-d8d385e1d166 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418920132 04155aa7-e871-49c3-ac91-f7b9130cb1ca 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418920132 b27faa6e-ad51-4aa8-ba80-1b05dbdccb86 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418920132 e35a5bab-0395-e311-8ed7-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418920132 ab541a32-0595-e311-8ed7-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742668 04eea93f-0643-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/04/13 – Client supplied a system record date for the Disbursement Date field.
   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742668 6748be6d-0ed2-4964-9f36-32d8d9236e71 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742668 b5be80a8-3c3e-46e2-936a-07c1136860d0 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742668 1a8bea6a-8f41-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346486 85e47bd1-b212-44d3-b1fc-68d1589f969f 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346486 49f9cbfc-305a-4ca2-ae7f-cf1f25b5e8ac 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346486 4f73ecc2-9420-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572299 555e679b-ca48-46ac-af80-b754759e97c3 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430572299 982378a0-be45-e511-8d38-d8d385e1d166 2070 Compliance   Missing Loan Modification Loan Modification document are missing in file.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572299 1a2f1326-362a-e511-8daf-d8d385e1d166 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed Rate Roll Back Loan – Amount Financed underdisclosed       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346258 dfcb4093-6afb-e411-8daf-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXX Loan: Terms of Prepayment per the Note is 6 months’ advance interest on that part of the aggregate amount of all prepayments on a loan in one year, which exceeds 20% of the original principal amount of the loan for a three year term.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. Ohio Rev. Code Ann. § 1343.011(C).       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571248 9bd29651-f0de-49f4-a5e6-7c58f978bbd9 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571248 892a4058-f142-4d92-8a38-5fc9c6b10ea3 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571248 85564419-be94-e311-8ed7-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418348979 7f21c76e-196d-e511-af87-d8d385e1d166 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams Invalid Fully-Indexed Rate Used for Future Payment Streams       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418348979 7fdf57b8-176d-e511-af87-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742802 618b062a-f21e-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.     Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742802 87aa7ede-f11e-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742802 e6ad23ef-0c31-e311-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742802 603b2500-c826-e311-b68a-d8d385e0a8b2 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431488706 f106fe7f-8420-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.     Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431488706 8bb949cf-1ad3-48d1-95d6-ee8f691d6bec 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431488706 ca286474-74f7-4cf3-91ba-291e3240be41 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431488706 5bd4f88e-8420-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572826 fea86c67-7ad1-48c7-ae7f-fda9113349d9 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430572826 af79e3f2-a21d-4aae-b4f7-dcb0aed4d786 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430572826 e8122219-c794-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346528 606c65fe-3d06-4297-944a-007017c0fb7c 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346528 30cfef0c-ec5f-49c1-a71f-41f18c9f526f 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346528 9c4c5f40-5119-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346528 2f27927b-5219-e511-8daf-d8d385e1d166 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346528 33241ece-5119-e511-8daf-d8d385e1d166 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed Rate Roll Back Loan – Amount Financed underdisclosed       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742251 ab9788c7-5c6d-e211-b68a-d8d385e0a8b2 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XXX completed on XX/XX/XXXX       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346270 8f74243d-f5f5-4cd3-89c8-5bbd890f0d1b 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346270 7167556a-5466-4b42-848f-a3613a112c8f 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346270 91fa3706-0627-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346270 35cb9a2e-0727-e511-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables and additional supporting pages.
       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418350336 ca7a316a-5c94-4dd5-b6f3-2a7bffadfaa4 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418350336 3208eac0-dcbe-40bf-9096-7ec4924d26a4 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418350336 9303e450-ae8d-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418350336 938d6761-ae8d-e511-99e0-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742894 ada1a6e7-ae1f-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence   12/05/13 – Client supplied a system record date for the Disbursement Date field.   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742894 8429c18e-80e5-41a0-a4fe-89ecda03e6b1 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742894 c0e2c92d-af1f-e311-b68a-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742894 e3e710ba-878f-44c1-9000-46906945518a 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742894 6c8711f5-ae1f-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742895 96003708-eeb4-4407-9643-b9229c413532 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742895 7194063d-2caa-461a-a7ab-723fef59cfd9 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742895 021e26e5-dd56-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742895 e1b52861-8257-e311-b68a-d8d385e0a8b2 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742917 99d5ebf9-e2f3-4226-986e-38fd1adc16d7 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742917 0ffb203a-0c39-41b1-b3ec-fa910671436a 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742917 6b19f513-9861-4df5-9ca5-65d7be2527b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742917 11ed964d-234b-4c0c-b606-e8a5d79cf4fe 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742937 c966555e-7c72-4b74-9a78-f6912fa0f38f 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742937 e6f53c93-9a71-4988-ad87-a39448055934 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742937 f2f64dd5-4fe6-4e71-9d7e-333e9cf3f227 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571743 0b2a21bd-86b0-4f99-855c-d9e6ef3458ed 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   1/15/10; Client supplied a system record date for the Disbursement Date field.   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571743 0ecba278-4542-4bf5-8abf-cd52160ef860 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571743 33d152a9-8266-4237-bd00-135bb7c10841 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571743 84ed4c0b-92d4-418e-937b-de180793be83 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571743 fab3cadf-8924-e411-8daf-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742964 03f6daf1-0622-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.
   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742964 3164452e-11d7-4562-b939-730968781e53 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742964 227db28a-5c5d-472d-9b72-2b24b9614495 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418742964 005f0501-0722-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418742964 83ac218a-b42b-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418742964 67b9b412-d334-e311-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572631 d8050115-1e9b-4e5a-a0ae-82855cec4dee 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430572631 796ceabe-eebc-4ec3-99e1-c3fc686bee15 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430572631 17977315-7252-e511-8d38-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743017 a9e95633-db52-e311-b68a-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743017 afec0c3e-fa4a-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743017 9e15d468-445a-e311-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743079 e0acb4f5-044b-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346669 a407194a-6da1-4e7a-a77b-22a0632bd497 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346669 e3e2fd4c-352c-4af5-8258-ae1124ee1613 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346669 417618f8-aa14-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418920057 ea666371-eb2d-43db-a306-6101bd46e80c 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418920057 a667b829-e201-402a-ae7e-ad4f7168c300 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418920057 3e58c271-f656-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743144 0623a122-9d26-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.     Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743144 6dce99eb-85e6-474b-97aa-a78b7b9f003e 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743144 81e2e1c1-2657-4c88-8ab8-126075585051 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743144 3a5d1029-9d26-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743144 04fd1e17-5a37-e311-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418823256 da538d0c-1c17-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418823256 7847b480-0d19-e511-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.        Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418823256 b1df6931-f641-e511-8d38-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743205 2836473e-d21e-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 - Client supplied a system record date for the Disbursement Date field.   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743205 2736473e-d21e-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743205 371eb5d6-1038-e311-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418352381 430d3bbf-799f-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418352381 64a97f61-7c9f-e511-99e0-d8d385e0a8b2 27 Compliance   Prepay Penalty Not Enforceable Terms of Prepayment per the Note is 6 Months interest AP > 20% OPB for a 3 year term.  The Loan amount is $XXX, and the property type is Owner Occupied.  Lenders may only collect a prepayment penalty of up to two percent of the amount of the prepayment of any loan secured by a deed of trust on an owner-occupied residence.  Va. Code Ann. § 6.1-422.  Also, every residential first mortgage loan of less than $75,000 secured by non owner-occupied property must permit the borrower to repay the unpaid principal at any time, subject to a maximum prepayment penalty of one percent of the unpaid principal balance.   Va. Code Ann. § 6.1-421.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346755 5296cb9f-bb66-e411-8daf-d8d385e1d166 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346755 f19676af-bb66-e411-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346755 df651d1c-0460-e411-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431498261 f7cd8b57-8827-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.    Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431498261 f9cd8b57-8827-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571249 b5855d46-e7a4-4cd6-9259-37862acbd245 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571249 3654262b-607c-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346790 22f43cac-481b-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743352 a01644a1-b14b-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743352 1804b9a6-794d-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
Appraisal is missing the sketch/floorplan and location map.
       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430571872 66cdb8f1-a2c6-e411-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Final TIL reflects payments that do not match the note terms.       Active   2 2 B B B B B B B B B B N Final HUD used for testing
431489857 639da7fb-0135-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431489857 629da7fb-0135-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431489857 67576706-0235-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
431489857 216771aa-9b3d-e311-b68a-d8d385e0a8b2 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H9) for a New Lender Refinance.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743471 66bb24ef-3043-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/06/13 – Client supplied a system record date for the Disbursement Date field.     Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743471 5a062604-3143-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743506 9a8ed224-e034-e311-b68a-d8d385e0a8b2 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743506 a6f2432d-e034-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743506 9b8ed224-e034-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418346886 bc7f44da-8018-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743523 4131520e-3346-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743523 e4796fde-c739-40a4-841e-beda2a4f40cf 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds Loan Late Charge Parameters Exceeds State Thresholds   CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable   Cleared   3 1 C A C A C A C A C A Y Final HUD used for testing
418743523 28fd441a-3346-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418920099 bfa070ea-f946-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743585 51925cbb-262d-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418822275 0ed01d89-c72c-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418822275 4e43defa-3ce4-452a-8e91-6233eb0c09b1 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 10 days < 15 days required grace period permitted by the state of Maryland    CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable   Cleared   3 1 C A C A C A C A C A Y Final HUD used for testing
418822275 65050098-0d30-e511-8daf-d8d385e1d166 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743611 353d96e9-2dec-4c0b-8773-cf490ddda868 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743611 56ff36ce-5325-e311-b68a-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743611 c0e414e6-cf50-432a-9345-44ab20041949 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418743611 42c57b73-4430-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418743611 e4856f24-5325-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430571699 f72c3032-e075-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430571699 e9444878-faf7-e311-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates passes compliance.        Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571699 c9c9ba81-faf7-e311-8daf-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXX: Terms of Prepayment per the Note is 3% OPB 1st year; 2% OPB 2nd year for a 2 year term.  Prepayment penalties are prohibited in the state of New Jersey.  NJ Admin. Code 3:15-10.1(b).         Active   2 2 B B B B B B B B B B Y No testing able to be performed.
418346999 061e609e-ae45-e511-8d38-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Failure to Obtain Final TIL       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346999 3f266e0f-ac45-e511-8d38-d8d385e1d166 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418346999 e5ce528a-af45-e511-8d38-d8d385e1d166 1650 Compliance   Missing copy of title Missing copy of title       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418346999 480423a2-af45-e511-8d38-d8d385e1d166 1739 Compliance   Missing Mortgage Missing Mortgage       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418346999 071e609e-ae45-e511-8d38-d8d385e1d166 1596 Compliance   Missing Right To Cancel Form Missing Right To Cancel Form       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346168 b90e28fd-4bf9-4707-b77c-611ca1231246 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346168 26373aa6-c2fc-4ab1-b598-d6f4f538caf0 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346168 8e19c426-f3f7-45b1-a48a-03c8e574745a 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346168 c03f2bf2-fc81-e411-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346168 77804443-fe81-e411-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418350825 36f36e89-b4d1-4912-b8ad-463c906e87ce 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418350825 8fe7c0d7-fc8e-43d0-ab47-f9578fc64552 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418350825 f356ac78-7e68-e511-af87-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571707 cf199bb9-4a9a-4d60-8557-a64bb4028566 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571707 aea80ab6-b0cd-47d1-baf0-c5829691c064 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571707 f018e27d-6995-e311-8ed7-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571707 c83f7906-81f8-e311-8daf-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571707 c1b1913a-6b95-e311-8ed7-d8d385e1d166 1739 Compliance   Missing Mortgage Mortgage is not signed by the spouse.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418346182 198fa5b4-a976-4474-9174-fead3ed3247a 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346182 07d40049-97ec-4cf8-bf11-634a4e549d20 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418346182 faebc305-cbf2-e411-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418346182 6171dc00-d0f4-e411-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418349361 68a7f99c-695b-4da0-a3a3-eaa7be2b1b4d 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349361 8dc617b2-e125-4c38-a6f1-4c3176417f7a 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349361 63c10f27-a39c-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349361 831742e9-859f-e511-99e0-d8d385e0a8b2 27 Compliance   Prepay Penalty Not Enforceable Terms of Prepayment per the Note is 6 Month’s Interest of the Unpaid Principal Balance for a 2 year term.  Licensed mortgage lenders are restricted from contracting for and charging a prepayment penalty in excess of 5% of the outstanding balance of a mortgage loan.  Further, a prepayment penalty could only be assessed on prepayments occurring within the first five years of the loan.  Ky. Rev. Stat. Ann. § 286.8-110(4).         Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571711 8330a1ca-fcd4-4a26-be3a-05dada137e7a 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571711 8808b052-6904-45f8-ad59-c634218c4dd3 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
430571711 a486a4f1-8a62-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349379 1291b6ea-8960-e511-af87-d8d385e1d166 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349379 6ac7a6d9-13bc-452b-b924-f0b2cf997102 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349379 50adda41-cb6a-4219-8d19-d7c000f16432 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349379 aa71dd89-985b-e511-af87-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349384 ea7e5fce-7c63-e511-af87-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349384 2a077f7d-7c63-e511-af87-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430572209 c2ed959f-e448-488f-afda-d45b7065b4cd 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
430572209 954a5064-e075-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430572209 c59fc897-56b7-48d6-9dd4-1b80c1e9b6c2 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
430572209 94a40843-5e13-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430572209 d55db543-1615-e511-8daf-d8d385e1d166 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
418347405 100c83df-aa99-44cd-af79-e2d8e11dda23 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347405 872bf832-edab-44bc-bc0d-9ccad5252afd 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347405 8f16eceb-d71b-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347405 234848c1-4e1c-e511-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418347405 24a7040d-4f1c-e511-8daf-d8d385e1d166 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571277 986d6df5-ac03-4fa7-b606-00d254a044c4 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
430571277 29a7b8a7-e075-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430571277 a46b03fd-5c69-e311-b68a-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571277 28498c78-84ac-45c9-be6e-aa02acf1db7f 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
430571277 dd78110a-5a69-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571277 d3c13b21-257a-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing complete, legible second page as the bottom is cut off. In addition, the appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430571277 052a9960-7299-e311-8ed7-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
418351245 612b9a48-d46e-4b55-94b7-a4a517f4b0e0 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418351245 fd356350-fdd5-4039-b9bc-476cb339c933 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418351245 f3564008-683c-e511-8d38-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349518 4b73efb6-7f10-e611-8544-d8d385e1d166 5 Compliance   3 day rescission period not provided Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX - not giving the Borrower a full 3 days rescission.         Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349518 388bf3ea-700c-e611-8544-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349518 7504c701-cb18-e611-86f5-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349552 e0513d93-4bcf-458b-89da-1a7c89b028ff 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349552 7208c4e6-cf57-4507-bedd-5ca52a3f37da 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349552 378b4286-8c8c-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349552 3de54030-1a8e-e511-99e0-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property maps, and the comparables.

       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418351356 7c98fd07-14a0-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347573 14f8e83b-4c1e-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347573 050ae837-5c31-e511-8daf-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing loan modification dated XX/XX/XXXX.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347573 f6a898ec-cf20-e511-8daf-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXX Loan: Terms of Prepayment per the Note is 3% in first year, 2% in second year, 1% in thrid year.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. Ohio Rev. Code Ann. § 1343.011(C).       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431497068 dd4142e7-e075-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
431497068 ddf6321b-e66e-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
431497068 0e46b313-c877-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
431497068 943fe35b-247d-e311-b68a-d8d385e0a8b2 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incomplete ROR form.        Active   2 2 B B B B B B B B B B Y No testing able to be performed.
431497069 6fb56436-e175-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
431497069 0fba293c-b161-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
431497069 6f01caa4-40bb-453d-badb-2d9d2388350f 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds Loan Late Charge Parameters Exceeds State Thresholds   Client identified Loan as exempt due to Pre-emption declaration – Prepay/Late Charge violation invalid     Cleared   3 1 C A C A C A C A C A Y No testing able to be performed.
431497069 e08c5a42-3584-e311-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
418347601 f407b14d-6327-43aa-a2bd-2847f9e4c54e 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347601 6c91cf63-2c1c-e511-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Failure to Obtain Final TIL       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347601 40086be4-cfb1-4814-baa6-1d7077ecbce2 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347601 4fe28ac6-2a1c-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347601 aaec9a95-2020-e511-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418347607 5bccb26e-fe68-49be-9f04-4274171b46c8 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347607 a3fc37c1-3f32-443e-be4d-924b6ecf2ef0 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418347607 62db7604-57b3-e311-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347607 60db599c-21b5-e311-8daf-d8d385e1d166 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418347607 5029b9db-5231-e511-8daf-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349604 8179cecd-e68d-e411-8daf-d8d385e1d166 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349604 4eb5d3ef-48e0-42af-a264-7d75615ac4f4 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349604 235684a3-3986-e411-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Spouse.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349604 54818b48-cd64-4999-b9b9-0e61e42b4d24 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418349604 31b4a606-3986-e411-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431497074 0a76ce5c-6e8a-4588-8488-100183b9da83 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
431497074 087d547c-e175-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
431497074 0ba5bcdc-79f8-40ce-95e2-d20a3052722c 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y No testing able to be performed.
431497074 4b80e03a-c261-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
418349635 69efeec0-c58e-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349635 0a6ff3d8-c58e-e511-99e0-d8d385e0a8b2 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
418345448 428ccc6c-09f4-4e13-bad1-9415f60cfb2d 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418345448 7fc3d3f3-7de0-4e76-aef6-db6ce3aab421 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418345448 27e246d7-9a53-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418345448 7e5e4db4-38a6-e311-8ed7-d8d385e1d166 2070 Compliance   Missing Loan Modification Missing Loan Modification       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431488942 b8bd1a4d-7f56-47a0-b3bf-5c33e4f3e77c 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431488942 dfc08c8d-7d65-4d02-90c0-bacc583e40af 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
431488942 88014cb4-34f3-e411-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418351593 a846a430-3f8b-e511-99e0-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418351593 c8678157-3682-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418823368 b01adada-bd4d-471a-9382-89ba6a7cbc4e 1587 Compliance   APR Under Disclosed APR Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418823368 a216bc88-3bf7-4474-9e93-180079c4f0f0 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed   Rate Rollback loan finding cleared   Cleared   2 1 B A B A B A B A B A Y Final HUD used for testing
418823368 123cdbff-ed2f-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418823368 4aef8779-5e43-e511-8d38-d8d385e1d166 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed Rate Roll Back Loan – Amount Financed underdisclosed       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418943006 a4fb8ee1-eb26-e811-9a1b-f4e9d4a75a52 1650 Compliance   Missing copy of title Missing copy of title       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
419149528 b681895c-0701-48e1-8c67-59ab5d214238 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.       Active   3 3 C C C C C C C C C C Y Final HUD used for testing
419149827 00faa487-b766-e811-931d-f4e9d4a75a52 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Lender of Record application date not available in loan file. 30 and 60 days prior to note date used and the loan passes compliance testing. Additional findings may occur upon receipt of Lender of Record application date.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
419149827 65f386bb-27cb-42f7-875c-05cb0c60e1d6 1742 Compliance   Missing Appraisal Appraisal is missing all but the first page.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
419149827 c8a13341-b766-e811-931d-f4e9d4a75a52 1650 Compliance   Missing copy of title Missing copy of title.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
419149827 63d2b2b2-b666-e811-931d-f4e9d4a75a52 1741 Compliance   Missing Final Application Missing Final Application.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
419149891 48567b27-0e6b-e811-931d-f4e9d4a75a52 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is not signed by the Borrower(s) nor certified by the title company.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD.        Active   3 3 D D D D D D D D D D Y Tested with alternative docs.
419149891 4804b1e9-f364-e811-931d-f4e9d4a75a52 1742 Compliance   Missing Appraisal Appraisal is Missing.       Active   3 3 D D D D D D D D D D Y Tested with alternative docs.
418347931 c641b7dc-f285-e411-8daf-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 6 months interest if in excess of 20% for a 3 year term.   Prepayment penalties may not exceed: (i) 5% of the unpaid principal balance if the loan is prepaid in full during the first year of its term; (ii) 4% if prepaid during the second year; (iii) 3% during the third year; (iv) 2% during the fourth year; and (v) 1% if the prepayment occurs during the fifth year. La. Rev. Stat. Ann. § 6:1096(E).        Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349774 85516790-c363-e511-af87-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable Terms of Prepayment per the Note is 6 months interest is due if loan is prepaid greater than 20% OPB within a 12 month period of the 1st 3 year term.  No lender or other person may charge a sum or prepayment penalty for the prepayment of any note or evidence of a debt secured in whole or in part by lien on real estate greater than: (i) 5% of the unpaid principal balance if prepaid during the first year; (ii) 4% during the second year; (iii) 3% during the third year; (iv) 2% during the fourth year; (v) 1% during the fifth year; or (vi) no penalty if prepaid more than 5 years from the date of the note creating the debt.  Miss. Code Ann. § 75-17-31.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572679 13adb112-5716-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572679 6d19e9b4-5616-e311-b68a-d8d385e0a8b2 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 5% on amount prepaid over 20% of unpaid loan balance for a 5 year term.  No lender or other person may charge a sum or prepayment penalty for the prepayment of any note or evidence of a debt secured in whole or in part by lien on real estate greater than: (i) 5% of the unpaid principal(iii) 3% during the third year; (iv) 2% during the fourth year; (v) 1% during the fifth year; or (vi) no penalty if prepaid more than 5 years from the date of the note creating the debt.  Miss. Code Ann. § 75-17-31.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349786 5e40d661-4c58-e511-af87-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349786 cb7871fd-9d63-e511-af87-d8d385e1d166 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349786 ca351650-9e63-e511-af87-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan: Terms of Prepayment per the Note is 6% of the original ba;ance for a 3 year term.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. Ohio Rev. Code Ann. § 1343.011(C).       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349797 bba72367-7dc0-e511-99e0-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Failure to Obtain Final TIL       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349797 a04ab990-93a9-e511-99e0-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349797 7e6bf3f4-bba9-e511-99e0-d8d385e0a8b2 1596 Compliance   Missing Right To Cancel Form Missing Right To Cancel Form       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349797 155daf3f-7cc0-e511-99e0-d8d385e0a8b2 27 Compliance   Prepay Penalty Not Enforceable Terms of Prepayment per the Note is 5% AP >10% OPA in any 12 months for a 5 year term.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. Ohio Rev. Code Ann. § 1343.011(C).       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418347986 ae9c8367-5e45-e511-8d38-d8d385e1d166 2070 Compliance   Missing Loan Modification Loan modification agreement is missing in file       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349825 a295b184-d43a-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349825 b0a3380e-2941-e511-8d38-d8d385e1d166 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 6% of the balance of the loan outstanding on the date of prepayment if a full prepayment is made for a 2 year term.  Prepayment penalties are prohibited on promissory notes or other debt that is secured by residential real estate if the full balance is paid off more than five years after the origination date of the loan and prior to maturity.  Otherwise the prepayment charge is limited to 2% of the balance remaining at the time of the prepayment.  Mo. Rev. Stat. § 408.036.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418349859 6f11452f-9ea4-e311-8ed7-d8d385e1d166 1742 Compliance   Missing Appraisal Appraisal is missing the location map.    Finding cleared doc provided   Cleared   3 1 D A D A D A D A D A Y Final HUD used for testing
418349859 61b2efb8-2fca-e311-8daf-d8d385e1d166 1741 Compliance   Missing Final Application Final Application missing page 1.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572683 1f4a8881-a847-e311-b68a-d8d385e0a8b2 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572683 6036002d-6391-e211-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
418348144 cf869a9c-271b-e511-8daf-d8d385e1d166 26 Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571460 bf4610a7-df75-eb11-a82e-000d3a1ee68e 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430571460 e7e7fea3-7445-e411-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Failure to Obtain Final TIL       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571460 693a42b4-7445-e411-8daf-d8d385e1d166 2072 Compliance   Missing evidence of Loan Approval Missing evidence of Loan Approval       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571460 0341fe77-afca-41a5-bacd-af0cd1e52b36 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430571479 c28b96ef-b55a-49cd-b61e-04135c07a2b5 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430571479 212a7561-3042-e411-8daf-d8d385e1d166 1596 Compliance   Missing Right To Cancel Form Missing Right To Cancel Form       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571647 93eca53f-e647-e411-8daf-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Failure to Obtain Final TIL       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571647 fc3ca755-454a-e411-8daf-d8d385e1d166 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD   04/07/2015 – Cleared – Document provided by client.
   Cleared   3 1 D A D A D A D A D A Y Final HUD used for testing
430571649 81caf86d-c848-e411-8daf-d8d385e1d166 2072 Compliance   Missing evidence of Loan Approval Missing evidence of Loan Approval       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571649 fdb4cf4e-c28b-4f7f-b84f-68d074809836 17 Compliance   State High Cost Loan not compliant Points and fees exceed state threshold.  $XXXX > $XXXX, the maximum Points and fees permitted, by the State of New Jersey. It is unclear as to the reason for the State High Cost fail, due to the lack of documentation in the file. No additional testing requirements.   04/22/2015 - Rebuttal - Cleared - In Bulletin 04-22, the Department confirmed that FHA and VA funding fees should not be included in the points and fees calculation because they are "for all intents and purposes mortgage insurance."  Entered over-ride for MIP fee.     Cleared   3 1 C A C A C A C A C A Y Final HUD used for testing
430571927 36be1976-43e9-e411-8daf-d8d385e1d166 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430571974 bd31b7cc-755c-4311-bd8d-42f7b1d99f21 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572065 205c70d3-1b9c-406b-8cb7-206f93cc655b 3136 Compliance   Final Title has schedule B2 exceptions noted Schedule B2 of the Final Title policy reflects taxes of $XXXX not paid.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572065 136c82fa-6f47-e511-8d38-d8d385e1d166 1596 Compliance   Missing Right To Cancel Form Missing Right To Cancel Form       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572352 ec7e9b93-0ec9-e511-99e0-d8d385e0a8b2 3140 Compliance   584 - Final Title Report Missing 584 - Final Title Report Missing       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430572352 4cf24019-10c9-e511-99e0-d8d385e0a8b2 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.
       Active   3 3 D D D D D D D D D D Y No testing able to be performed.
430572352 8cb20b21-10c9-e511-99e0-d8d385e0a8b2 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y No testing able to be performed.
430572385 c04d566f-14df-e511-99e0-d8d385e0a8b2 1741 Compliance   Missing Final Application Final application was not provided.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572581 be9157cc-8318-e611-86f5-d8d385e0a8b2 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572581 8a02f3c0-9e1b-e611-86f5-d8d385e0a8b2 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572612 b01a0671-7d16-e611-8544-d8d385e1d166 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572612 bf5e80ac-7e16-e611-8544-d8d385e1d166 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not Reflect the Note Terms       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572627 07ac7cb9-4a99-472e-9a55-04fa1c143f0f 60 Compliance   Document Error Note payment documented incorrectly.  It appears internal standard procedures were not followed on the part of the lender in the reporting of the proper payment on the Note.  The correct payment per the Note in file is $XXXX. The lender charged an Origination/Discount Fee which was financed into the loan.  Therefore the payment located on the Note reflects an amount based on the actual note amount of $XXXXX minus the Origination/Discount Fee of $XXXXX. The adjusted amortized Note payment is added to the non-amortized Discount fee payment which is reflected on the Note. This is not standard reporting practice.       Active   3 3 C C C C C C C C C C Y Final HUD used for testing
430572627 288d196a-6816-e611-8544-d8d385e1d166 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Spouse.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572627 50517601-8f3e-4ccd-8478-f7ed9156b530 2072 Compliance   Missing evidence of Loan Approval Missing evidence of Loan Approval       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430572627 69759ccf-4e1c-e611-86f5-d8d385e0a8b2 1741 Compliance   Missing Final Application Missing Final Application       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431497803 ace8fd19-ed60-e211-b68a-d8d385e0a8b2 1742 Compliance   Missing Appraisal Missing Appraisal       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
431497803 e44414a5-1960-e211-b68a-d8d385e0a8b2 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XXXX completed on XX/XX/XXXX.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
431497803 280bd3ca-1760-e211-b68a-d8d385e0a8b2 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430929899 541b8e12-c203-4f7b-9c77-a6ad237aa261   Compliance   3 day rescission period not provided Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX, the Truth in Lending disclosure was received XX/XX/XXXX.  The loan disbursed on XX/XX/XXXX not giving the Borrower a full 3 days rescission.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430929899 d20e4192-5e61-ea11-bfd5-f4e9d4a75ba2   Compliance   Prepay Penalty Not Enforceable XXX Loan:  Terms of Prepayment per the Note is 3% in the first year, 2% in the second year and 1% in the third year of the unpaid principal balance for a three year term.  Lenders are prohibited from assessing a penalty against a mortgagor for prepayment of a residential mortgage loan where prepayment is made more than six months after execution of the promissory note.  Kan. Stat. Ann. § 16-207(c).       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930049 627afe10-2299-4783-8b98-beefcd975ad3   Compliance   3 day rescission period not provided The file did not contain a Disbursement date to verify Right of Rescission adherence.        Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930049 18deb1c6-1e62-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Note Note is missing from the file.       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430930059 1e928331-1f62-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing utilizing Estimated HUD passes compliance.  Additional findings may occur upon receipt of Final HUD.       Active   3 3 D D D D D D D D D D N No testing able to be performed.
430930123 ac0ce37a-7d64-ea11-bfd5-f4e9d4a75ba2   Compliance   3 day rescission period not provided The file did not contain a Disbursement date to verify Right of Rescission adherence.        Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930123 2f37fd33-7864-ea11-bfd5-f4e9d4a75ba2   Compliance   Loan is subject to Mandatory Arbitration Loan is subject to Mandatory Arbitration.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930123 0ddb3a3b-eb62-ea11-bfd5-f4e9d4a75ba2   Compliance   Incorrect rescission model – Same lender refinance requires form H-9 Same Lender refinance transactions require form H-9.        Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930123 2b3b5e60-7d64-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930123 8a38678e-9164-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Appraisal Appraisal not provided       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430930146 99a25731-c963-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930172 d1355ae4-7364-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Appraisal Appraisal not provided       Active   3 3 D D D D D D D D D D Y Final HUD used for testing
430930191 174826f7-d263-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.   4/29/2020 - Finding cleared HUD provided   Cleared   3 1 D A D A D A D A D A N Final HUD used for testing
430930191 184826f7-d263-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.       Active   2 2 B B B B B B B B B B N Final HUD used for testing
430930191 b9e4d7ab-c663-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Final Application A final application for the subject transaction was not provided.        Active   2 2 B B B B B B B B B B N Final HUD used for testing
430930191 2deec245-c963-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Appraisal Appraisal not provided.        Active   3 3 D D D D D D D D D D N Final HUD used for testing
430930191 abd9e031-6564-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing evidence of Loan Approval Missing evidence of Loan Approval.       Active   2 2 B B B B B B B B B B N Final HUD used for testing
430930191 0aaf4042-6564-ea11-bfd5-f4e9d4a75ba2   Compliance   General Compliance Exception – Missing Lender of Record Date Lender of Record application date not available in loan file. 30 days prior to note date used and the loan fails compliance testing. Additional findings may occur upon receipt of Lender of Record application date.       Active   3 3 D D D D D D D D D D N Final HUD used for testing
430930193 19ef0c74-d763-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.       Active   3 3 D D D D D D D D D D N No testing able to be performed.
430930193 1bef0c74-d763-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.       Active   2 2 B B B B B B B B B B N No testing able to be performed.
430930193 1aef0c74-d763-ea11-bfd5-f4e9d4a75ba2   Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.       Active   2 2 B B B B B B B B B B N No testing able to be performed.
430930193 0bcc20ea-7464-ea11-bfd5-f4e9d4a75ba2   Compliance   Missing Appraisal Appraisal not provided       Active   3 3 D D D D D D D D D D N No testing able to be performed.
430930193 57cabef1-d763-ea11-bfd5-f4e9d4a75ba2   Compliance   General Compliance Exception – Missing Lender of Record Date Lender of Record application date not available in loan file. 30 days prior to note date used and compliance testing could not be completed. The HUD-1 and TIL were missing from the loan file. Additional findings may occur upon receipt of Lender of Record application date.       Active   3 3 D D D D D D D D D D N No testing able to be performed.
430930207 4d5aa1bf-48d8-463a-b9fb-15bf95d37dbd   Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing
430930247 8dd2d3da-bf62-ea11-bfd5-f4e9d4a75ba2   Compliance   Prepay Penalty Not Enforceable XXX Loan:  Terms of Prepayment per the Note is 6 months interest if in excess of 20% if OPB in any 12 month period for a 3 year term.  Under the Consumer Credit Act, prepayment penalties may be provided for in a consumer credit transaction and assessed in a simple interest transaction only where the original amount financed is equal to or greater than $2,000 and: (i) the transaction involves an interest in real property and the creditor is either an approved mortgagee under the provisions of the National Housing Act  or exempt from licensing under the Alabama Consumer Credit Act; or (ii) the creditor is a trust institution or an exempt trust.  In all other situations, whether the consumer credit transaction is simple interest or precomputed, the inclusion of a prepayment penalty is not permissible under the Alabama Consumer Credit Act.  Ala. Code §§ 5-19-3; 5-19-4; Ala. Admin. Code 155-2-2-11.       Active   2 2 B B B B B B B B B B Y Final HUD used for testing